Rba Rate Intelligence

RBA Rate Intelligence

Real-time Reserve Bank of Australia cash rate monitoring, meeting schedules, and mortgage impact analysis.

Current Rates (February 2026)

MetricValueLast ChangeRBA Cash Rate4.10%Dec 2024 (-25bp)CPI (Annual)2.8%Q4 2024RBA Target2-3%Inflation target band ⚠️ Rates change. Always verify at rba.gov.au

RBA Meeting Schedule 2026

The RBA Board meets 8 times per year to decide the cash rate. #DateDay118 February 2026Tuesday21 April 2026Wednesday320 May 2026Wednesday41 July 2026Wednesday512 August 2026Wednesday623 September 2026Wednesday74 November 2026Wednesday89 December 2026Wednesday Decision announcement: 2:30 PM AEDT/AEST on meeting day Official calendar: RBA Monetary Policy Meetings

Monthly Repayment Formula (P&I)

• M = P × [r(1+r)^n] / [(1+r)^n – 1]
• Where:
• P = Principal (loan amount)
• r = Monthly rate (annual rate ÷ 12 ÷ 100)
• n = Total months (years × 12)

Quick Impact Table ($500,000 loan, 30 years)

RateMonthly P&Ivs 4.10%3.60%$2,272-$160/mo3.85%$2,343-$89/mo4.10%$2,416—4.35%$2,490+$74/mo4.60%$2,565+$149/mo5.00%$2,684+$268/mo6.00%$2,998+$582/mo

Per 0.25% Rate Change

$500,000 loan → ~$75/month difference $750,000 loan → ~$112/month difference $1,000,000 loan → ~$150/month difference

What is CPI?

Consumer Price Index measures the average change in prices paid by households for goods and services.

Latest CPI Data

QuarterAnnual %TrendQ4 20242.8%↓Q3 20242.9%↓Q2 20243.4%↓Q1 20243.8%↓

RBA's Inflation Target

Target band: 2-3% annual inflation Above 3%: RBA may raise rates to cool economy Below 2%: RBA may cut rates to stimulate growth Data source: ABS CPI

Recent Rate Movements

DateRateChangeDec 20244.10%-0.25%Nov 20234.35%+0.25%Jun 20234.10%+0.25%May 20233.85%+0.25%Mar 20233.60%+0.25%Nov 20200.10%-0.15% (COVID low)

Key Milestones

COVID Low: 0.10% (Nov 2020 – Apr 2022) Fastest Hike Cycle: +4.25% in 18 months (May 2022 – Nov 2023) Current Easing Cycle: Started Dec 2024 Full history: RBA Cash Rate Target

Variable vs Fixed Rates

TypeProsConsVariableBenefits from rate cuts; Flexible (extra repayments, offset)Exposed to rate risesFixedCertainty; Protection from risesMisses out on cuts; Break costs; Limited flexibility

Current Market Rates (Indicative)

ProductRangeVariable (owner-occupied, P&I)5.80% – 6.50%2-year Fixed5.50% – 6.20%3-year Fixed5.40% – 6.00% Rates vary by lender, LVR, and loan features. Compare at canstar.com.au

Proactive Alerts (For Clawdbot Users)

Set up reminders for RBA meetings: "Remind me the day before each RBA meeting" "Alert me when RBA changes the cash rate" "Notify me when CPI data is released" CPI release schedule: Quarterly (late Jan, Apr, Jul, Oct)

Key Resources

RBA Official: rba.gov.au ABS Statistics: abs.gov.au Rate Comparison: canstar.com.au Economic Calendar: tradingeconomics.com/australia/calendar

Disclaimer

This skill provides general information only. Interest rates, economic data, and policies change frequently. Always verify current rates with official sources (RBA, ABS) and consult a qualified mortgage broker or financial advisor before making financial decisions. Built by Oney & Co — Australian lending insights, simplified.