| name | rba-rate-intelligence |
| description | RBA cash rate monitor, meeting schedule, CPI tracker, and mortgage impact calculator for Australia. |
| homepage | https://oneyco.com.au |
| metadata | {"clawdbot":{"emoji":"📊","category":"Finance"}} |
RBA Rate Intelligence
Real-time Reserve Bank of Australia cash rate monitoring, meeting schedules, and mortgage impact analysis.
Current Rates (February 2026)
| Metric | Value | Last Change |
|---|
| RBA Cash Rate | 4.10% | Dec 2024 (-25bp) |
| CPI (Annual) | 2.8% | Q4 2024 |
| RBA Target | 2-3% | 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.
| # | Date | Day |
|---|
| 1 | 18 February 2026 | Tuesday |
| 2 | 1 April 2026 | Wednesday |
| 3 | 20 May 2026 | Wednesday |
| 4 | 1 July 2026 | Wednesday |
| 5 | 12 August 2026 | Wednesday |
| 6 | 23 September 2026 | Wednesday |
| 7 | 4 November 2026 | Wednesday |
| 8 | 9 December 2026 | Wednesday |
Decision announcement: 2:30 PM AEDT/AEST on meeting day
Official calendar: RBA Monetary Policy Meetings
Rate Impact Calculator
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)
| Rate | Monthly P&I | vs 4.10% |
|---|
| 3.60% | $2,272 | -$160/mo |
| 3.85% | $2,343 | -$89/mo |
| 4.10% | $2,416 | — |
| 4.35% | $2,490 | +$74/mo |
| 4.60% | $2,565 | +$149/mo |
| 5.00% | $2,684 | +$268/mo |
| 6.00% | $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
CPI & Inflation
What is CPI?
Consumer Price Index measures the average change in prices paid by households for goods and services.
Latest CPI Data
| Quarter | Annual % | Trend |
|---|
| Q4 2024 | 2.8% | ↓ |
| Q3 2024 | 2.9% | ↓ |
| Q2 2024 | 3.4% | ↓ |
| Q1 2024 | 3.8% | ↓ |
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
Historical Cash Rate
Recent Rate Movements
| Date | Rate | Change |
|---|
| Dec 2024 | 4.10% | -0.25% |
| Nov 2023 | 4.35% | +0.25% |
| Jun 2023 | 4.10% | +0.25% |
| May 2023 | 3.85% | +0.25% |
| Mar 2023 | 3.60% | +0.25% |
| Nov 2020 | 0.10% | -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
| Type | Pros | Cons |
|---|
| Variable | Benefits from rate cuts; Flexible (extra repayments, offset) | Exposed to rate rises |
| Fixed | Certainty; Protection from rises | Misses out on cuts; Break costs; Limited flexibility |
Current Market Rates (Indicative)
| Product | Range |
|---|
| Variable (owner-occupied, P&I) | 5.80% – 6.50% |
| 2-year Fixed | 5.50% – 6.20% |
| 3-year Fixed | 5.40% – 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
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.
