Markets as of 7 Nov 2026RBA Cash Rate 4.85% ▲ 0.25, Nov 2026AUD/USD 0.6867 ▼ 0.94% dayASX 200 9,020.8 ▲ 2.11% dayFixed 3yr (avg) 7.02% owner-occ, banksVariable (avg) 6.80% owner-occ, discountedAvg new home loan, NSW $842k ▲ 3.3% a year, Jun qtr 2026Avg new home loan, VIC $664k ▲ 4.0% a year, Jun qtr 2026MySuper median, 10yr 8.0% p.a. 45 products, to Jun 2026BTC/AUD $110,431 ▲ 0.8% 24h10yr Gov Bond 5.08% ▼ 0.00Inflation (annual, Sep 26) 4.3% ▲ 0.3, trimmed mean 3.6%Unemployment 4.7% ▲ 0.1, Sep 2026RBA Cash Rate 4.85% ▲ 0.25, Nov 2026AUD/USD 0.6867 ▼ 0.94% dayASX 200 9,020.8 ▲ 2.11% dayFixed 3yr (avg) 7.02% owner-occ, banksVariable (avg) 6.80% owner-occ, discountedAvg new home loan, NSW $842k ▲ 3.3% a year, Jun qtr 2026Avg new home loan, VIC $664k ▲ 4.0% a year, Jun qtr 2026MySuper median, 10yr 8.0% p.a. 45 products, to Jun 2026BTC/AUD $110,431 ▲ 0.8% 24h10yr Gov Bond 5.08% ▼ 0.00Inflation (annual, Sep 26) 4.3% ▲ 0.3, trimmed mean 3.6%Unemployment 4.7% ▲ 0.1, Sep 2026

Australian money, straight from the source.

Figures as of 7 Nov 2026

Every bank rate, energy plan, health policy and super fund, as the provider publishes it. Award wages and Centrelink payments as the government sets them. Nobody pays to be here.

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Home loan rates Savings rates Health insurance Super funds Electricity plans Award pay rates Age Pension rate

Banking

Variable home loan rates today, one dot for each lender

5.93%the lowest, from SCCU

Typical 6.38%

6.0%6.2%6.4%6.6%6.8%7.0%7.2%to 9.5%

Big four: CommBank 6.39%, Westpac 6.34%, NAB 6.44%, ANZ 6.79%Every other bank and lender

Owner occupier, principal and interest, 80% of the property's value. Each lender's lowest rate anyone can apply for.

Compare all 104 lenders

Reserve Bank

The cash rate since 2020

4.85%after a up 0.25 rise on 4 Nov 2026

0%1%2%3%4%5%4.85%202120222023202420252026

The next decision is on 8 Dec 2026.

Who has passed it on

Energy

What a typical electricity plan charges per kWh, by state

23.6cin VIC, the lowest typical rate

NT-Not covered

QLD25.4c810 plans

WA-Not covered

SA38.1c378 plans NSW30.1c2,523 plans ACT27.4c255 plans VIC23.6c2,692 plans TAS25.4c24 plans

LowerHigher

Single-rate plans anyone can join, so time-of-use peaks and wholesale estimates don't skew it. WA and the NT sit outside the national electricity market, so their plans aren't published here.

Every plan, by state

Health cover

The cheapest hospital cover in NSW for a single, a month

$248.55for Gold, from Mildura Health Fund

Basicahm, $750 excess$102.60
Bronzesee-u by HBF, $750 excess$121.79
Silverahm, $750 excess$157.30
GoldMildura Health Fund, $750 excess$248.55

Policies anyone can join, before the government rebate.

Every policy, cheapest first

Super

Ten years of returns against fees, every MySuper product

9.3%a year, the best open to anyone: FirstChoice Employer Super - MySuper

Return a year, after fees, over 10 years

10%

0.5%0.6%0.7%0.8%0.9%1.0%1.1%1.2%1.3%

Typical fee

Typical return

Fees a year on $50,000

Passed APRA's testFailed it

All 50 products, ranked

Read nightly: 4,801 products from 251 banks and lenders, 20,564 energy plans from 41 retailers, 1,386 health policies. Hover or tap a dot for its name.

The figures governments set

Inflation, jobs, wages, pensions and pay, from the ABS, the Fair Work Commission, Social Services and the Clean Energy Regulator, read as each release lands.

Inflation4.3%0.3 pts a year, to September 2026ABS monthly CPI

Unemployment4.7%0.1 pts of the labour force, September 2026ABS Labour Force

Wage growth3.2%Unchanged a year, to June quarter 2026ABS Wage Price Index

Age Pension, single$1,237.70$35.10 in the basic rate; a fortnight from 20 September 2026Social Services

Minimum wage$26.44an hour from 1 July 2026, and the pay under 155 awardsFair Work Commission

Home batteries546,789installed since the federal discount beganClean Energy Regulator

145 calculators that show their working

From your first credit card to your last super withdrawal, with the formulas lenders and the ATO use and every assumption yours to change.

Home and property

Loans and credit

Work, pay and tax

Saving, investing and super

Family and government

How much could you borrow?

The borrowing power calculator's working, at 6.80% plus the 3% buffer lenders test you at.

Your income, a year$120,000Partner's income, a year$80,000Living costs, a month$4,000

$1,033,036$6,735 a month over 30 years

Repayment $6,735
Tax $3,753
Living costs $4,000
Left over $2,179

Where a month's pay before tax would go.

Add debts, cards and HELP in the full calculator

Ask in plain English, get the numbers

The co-pilot runs the site's own calculators on your figures, shows the working, and never recommends a product. We don't earn from any.

Ask the co-pilot

We earn $145k and $80k, spend about $4k a month and have $180k saved. Can we afford a $1.1M townhouse in Sydney, and what would repayments be?

Yes, it's within your borrowing power. Here's how it works out at 6.80%:

Borrowing power: $1,190,464
NSW stamp duty: $43,687
Loan after duty: $963,687
Monthly repayment: $6,283

Stamp duty leaves $136,313 as the deposit, so you'd borrow 87.6% of the price. Above 80%, the lender adds lenders mortgage insurance unless you save $83,687 more.

How every figure gets here

Read from the source

Banks and energy retailers publish every product under the Consumer Data Right; insurers file every policy with the government; APRA, the RBA, the ABS, Fair Work and Social Services publish the rest. We read each one as it changes.

Worked through in the open

The calculators use the formulas lenders and the ATO use, with every assumption on the page and yours to change.

Explained, never sold

No bank, retailer or fund pays to appear or to rank higher, and nothing here earns a commission.

How every number is made Who builds this