Skill: tianshizhimao-sudo/rba-rate-intelligence (version 1.0.0)

--- 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](https://www.rba.gov.au/statistics/cash-rate/) --- ## 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](https://www.rba.gov.au/monetary-policy/rba-board-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](https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia) --- ## 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](https://www.rba.gov.au/statistics/cash-rate/) --- ## 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](https://www.canstar.com.au/home-loans/) --- ## 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](https://www.rba.gov.au) - **ABS Statistics**: [abs.gov.au](https://www.abs.gov.au) - **Rate Comparison**: [canstar.com.au](https://www.canstar.com.au) - **Economic Calendar**: [tradingeconomics.com/australia/calendar](https://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](https://oneyco.com.au)** — Australian lending insights, simplified.


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: clean (LOW)