Interactive engine for tuning Citizens Standard monetary parameters and comparing against alternative systems.
The Citizens Standard — Interactive Model Builder
Tune the monetary issuance dials. Project a representative cohort 65 years. Compare against real-world median outcomes under seven alternative systems.
The Citizens Standard is a constitutional monetary framework that replaces central-bank discretion with three rules-based issuance channels. Every dollar of new money is distributed equally to all citizens — split between locked retirement equity (the Stable Floor) and, in inflation Mode, monthly dividends.
How to use: Pick a Mode below to see one of the framework's three constitutional configurations. Adjust any slider to build your own. The stat cards and charts update live. The vs. real outcomes tab compares your configuration to what Americans actually retire with under today's system.
Issuance channels
K1 — Citizenship2.5%
K2 — Growth84%
K3 — Dividend0.0%
K1: % of GDP/capita per new citizen. K2: % of real growth captured. K3: % of M2 issued annually as monthly dividend.
Macro environment
Real growth2.0%
Pop. growth0.5%
Equity return6.5%
CPI inflation0.0%
Launch parameters
M2 ($T)$22.7T
GDP ($T)$30.7T
Pop. (M)342M
Horizon65y
Stable Floor at horizon
—
launch-year purchasing power
Annual real income
—
at 4% withdrawal
K3 monthly / citizen
—
year 1 dividend
Issuance / M2
—
total annual, year 1
Cost / GDP
—
total annual, year 1
Stable Floor growth
M2 trajectory
K1, K2, K3 over time
vs. real outcomes
Inflation paths
Stress test
This comparison uses verified real-world data, not theoretical maximums.
Median 401(k) balance from Vanguard's 2025 How America Saves report ($87,571 at age 55-64). Average Social Security benefit from SSA's March 2026 Statistical Snapshot ($24,953/year). The "after SS trust depletion" scenario applies the 23% benefit cut projected by the 2025 SSA Trustees Report. Half of Americans actually retire with less than the median values shown.
Your current configuration:—
System
Wealth at 65
Lifetime cash
Annual income at 65
Total real value
Funded by
Reading the comparison: "Wealth at 65" is locked savings/equity. "Lifetime cash" is total dividends/transfers received during working life and retirement. "Total real value" sums both — this is the fairest single number for cross-system comparison since Modes B and C make different tradeoffs between locked wealth and ongoing dividends.
Mode B is the cleanest apples-to-apples comparison with the Fed status quo since both target price stability. Mode A optimizes for wealth (gives up income); Mode C optimizes for monthly dividend (gives up locked wealth).
Citizens Standard delivers equity to every citizen automatically — no savings discipline required. Real-world systems require individual savings effort that most Americans never achieve.
Inflation paths: Each system's CPI trajectory over 65 years.
The Citizens Standard's three Modes are deliberate constitutional targets.
Other systems' inflation paths reflect their actual or theoretical behavior.
The Citizens Standard line (thick green) tracks your CPI input directly — slide it to see how the constitutional target shifts.
Fed status quo shows historical reality with stylized shock periods (recession episode and inflation spike).
Bitcoin's deflation tracks your real growth rate (fixed supply meets growing economy).
UBI and MMT show drift risk — fiscal pressure compounding over decades.
Friedman k-rule's inflation = monetary growth rate minus your real growth rate.
Chicago Plan shows constrained 2% targeting without fractional-banking amplification.
What this answers: "OK, but what if there's a Great Depression?" Each scenario embeds a real historical bad period into the citizen's working life and shows what they retire with — vs. the smooth-baseline projection. The Citizens Standard's structural advantage is what survives this stress test.
Stable Floor under stress
—
vs. smooth baseline
Real income at retirement
—
at 4% withdrawal
vs. median American
—
$87,571 Vanguard 2025
Sources for historical sequences:
Robert Shiller's annual real returns dataset (Yale, 1871-present). Great Depression: 1929-1944 produced ~1.5% annualized real return after the crash and recovery. 1970s Stagflation: 1966-1982 produced ~−1.0% annualized real return alongside ~7.5% CPI. Lost Decade: 2000-2009 produced ~−3% annualized real return. Each scenario applies these sequences as a contiguous bad period during the citizen's working life, then resumes long-run normal returns.