rba-rate-intelligenceRBA cash rate monitor, meeting schedule, CPI tracker, and mortgage impact calculator for Australia.
Install via ClawdBot CLI:
clawdbot install tianshizhimao-sudo/rba-rate-intelligenceReal-time Reserve Bank of Australia cash rate monitoring, meeting schedules, and mortgage impact analysis.
| 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
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
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)| 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 |
$500,000 loan → ~$75/month difference
$750,000 loan → ~$112/month difference
$1,000,000 loan → ~$150/month differenceConsumer Price Index measures the average change in prices paid by households for goods and services.
| Quarter | Annual % | Trend |
|---------|----------|-------|
| Q4 2024 | 2.8% | ↓ |
| Q3 2024 | 2.9% | ↓ |
| Q2 2024 | 3.4% | ↓ |
| Q1 2024 | 3.8% | ↓ |
Data source: ABS CPI
| 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) |
Full history: RBA Cash Rate Target
| 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 |
| 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
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)
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.
Generated Mar 1, 2026
A mortgage broker uses the skill to show clients real-time RBA cash rate data and calculate monthly repayment impacts for different loan amounts during consultations. This helps clients understand how rate changes affect their finances and supports informed decision-making on variable vs fixed loans.
A real estate agent integrates the skill into client newsletters or meetings to provide updates on RBA meeting schedules and CPI trends. This adds value by educating buyers and sellers on economic factors influencing property affordability and market conditions.
A financial advisor leverages the skill to monitor inflation targets and historical rate movements when advising retirees on investment portfolios. It aids in assessing interest rate risks and adjusting strategies based on RBA policy shifts.
Bank staff use the skill to quickly reference current market rates and explain repayment differences to customers inquiring about home loans. This enhances service efficiency by providing accurate, up-to-date calculations during calls or chats.
A small business lender employs the skill to analyze RBA rate trends and CPI data when evaluating loan applications. It helps assess economic stability and forecast repayment capacities based on interest rate projections.
Offer basic rate monitoring and calculators for free, with premium features like proactive alerts, detailed historical analysis, and custom reports available via a monthly subscription. This attracts users while generating recurring revenue from finance professionals.
Integrate referral links to rate comparison sites like Canstar or mortgage broker services within the skill. Earn commissions when users click through and sign up for financial products, leveraging the tool's educational content to drive conversions.
License the skill to banks, real estate agencies, or financial advisory firms for internal use or client-facing applications. Provide white-labeled versions with custom branding and API access, charging annual licensing fees based on user scale.
💬 Integration Tip
Integrate with chatbot platforms like Clawdbot to enable proactive alerts for RBA meetings and CPI releases, enhancing user engagement through timely notifications.
Analyze stocks and cryptocurrencies using Yahoo Finance data. Supports portfolio management, watchlists with alerts, dividend analysis, 8-dimension stock scoring, viral trend detection (Hot Scanner), and rumor/early signal detection. Use for stock analysis, portfolio tracking, earnings reactions, crypto monitoring, trending stocks, or finding rumors before they hit mainstream.
Get stock prices, quotes, fundamentals, earnings, options, dividends, and analyst ratings using Yahoo Finance. Uses yfinance library - no API key required.
Yahoo Finance (yfinance) powered stock analysis skill: quotes, fundamentals, ASCII trends, high-resolution charts (RSI/MACD/BB/VWAP/ATR), plus optional web a...
Become an autonomous prediction market trader on Polymarket with AI-powered analysis and a performance-backed token on Base. Trade real markets, build a track record, and let the buyback flywheel run.
Get cryptocurrency token price and generate candlestick charts via CoinGecko API or Hyperliquid API. Use when user asks for token price, crypto price, price chart, or cryptocurrency market data.
Trade and monitor Hyperliquid perpetual futures. Check balances, view positions with P&L, place/cancel orders, execute market trades. Use when the user asks about Hyperliquid trading, portfolio status, crypto positions, or wants to execute trades on Hyperliquid.