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Economic models you can actually see move. Every curve is computed and every shift is verified. Built for students who want intuition, not just diagrams.

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Educational purposes only, not financial advice. Graphl teaches which economic framework applies and how its mechanism works; it does not solve assessment problems for you.

  1. Library
  2. /
  3. Baumol-Tobin Money Demand
  4. /
  5. Scenario

Money & Finance · intro

Your spending doubles

What moves on the Baumol-Tobin Money Demand diagram

  • Trips cost bY/Mshifts right (small)

Money demand rises with the square root of spending, doubling bY raises M* by only √2.

Watch it animateQuiz yourself on Baumol-Tobin Money Demand

Step by step

  1. 1

    Start at the optimum.

  2. 2

    Your monthly spending doubles, trips to the bank hurt more at every cash level.

  3. 3

    Optimal holdings rise, but NOT double: √2 ≈ 1.4×. Economies of scale in cash management, on one graph.

Where this shows up

Examiners ask this as: spending cash demand, transactions rise.

Other scenarios on Baumol-Tobin Money Demand

Interest rates spike →