Frackin’ Reserve Web Edition – A Fractional Reserve Banking Simulator


Posted by Cynic | Posted in Awake, Banking, Logic, Money, Philosophy, Police State, Software, Web Sites | Posted on 17-05-2012

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Frackin’ Reserve Web Edition is a web port of Frackin’ Reserve,¬†which is a desktop version of Frackin’ Reserve Web Edition. Hopefully that clears things up!

Frackin’ Reserve Web Edition lets you simulate the cycles and processes of fractional reserve banking and compound interest. It’s almost the same as the desktop version, but the range of parameters is more limited and some percentages are used instead of pure numbers. If you encounter limitations that you’d like to explore past, download Frackin’ Reserve here.


  1. Slide the sliders to adjust the parameters.
  2. Check the results in the results boxes.
  3. Try different parameters to see how they affect the money supply, i.e. Go to step 1.

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Frackin’ Reserve! – A Fractional Reserve Banking Simulator


Posted by Cynic | Posted in .NET, Awake, Banking, C#, Logic, Money, Rant, Software | Posted on 16-05-2012

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To help explain what the effects of fractional reserve banking are, and to illustrate just how evil it is, I’ve written a simple program that lets you simulate fractional reserve banking and the effects of compound interest.

The “Frackin’ Reserve!” program simulates what happens in fractional reserve banking, and lets you change the parameters for it. What this lets you do is simulate fractional reserve banking from a variety of perspectives, and see the results in real time. It also lets you generate a report so you can view all the generated output in a linear time series of the iterations through fractional reserve banking. That was probably a mouthful, and may have sounded like so much balderdash to some people. But it will all become clearer later on, and in particular when I post a follow-up article about fractional reserve banking.

The 10 Second Summary

Download and run the program to play with the factors that make up fractional reserve banking. Change them to see what happens. As a bonus, you can also see how interest works.
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