The project MiNA for the household sector develops, maintains and shares cleaning codes to build micro level stock and flow variables that shape Swedish household balance sheets. The codes cleans raw data primarily from Statistics Sweden but from other sources as well. Since the variables are build for the entire Swedish population, they can be aggregated at the national level.

About the MiNA code:

The codebase covers the seven stock components of household tangible net wealth (six asset classes and household debt) and four flow components, each documented in a dedicated white paper.

Stock components

• Cash and deposits: bank deposits and other liquid balances.
• Financial wealth: listed stocks, mutual funds, and other financial securities.
• Pension wealth: accumulated occupational and private pension savings.
• Cooperative apartment wealth: value of tenant-owner rights (bostadsrätt) in housing cooperatives.
• Real estate wealth: directly owned residential properties, vacation homes, and other real estate.
• Private equity wealth: holdings in unlisted companies and other private business equity.
• Household debt: outstanding mortgages, consumer loans, and other liabilities.

Flow components

• Income: adjusted disposable income, corrected to avoid double-counting capital gains and yields with the wealth-flow decomposition.
• Wealth change decomposition: per-asset-class decomposition of year-over-year wealth changes into passive returns and active household decisions, computed under both valuation and transaction methods.
• Saving: aggregate active saving across all wealth classes, capturing the deliberate component of household wealth accumulation.
• Consumption: individual-level consumption recovered as the residual of the household budget constraint (income minus active saving).