The Finance Algorithm
§ Tool · tier 3 · independent

RBA Impact Analyzer.

Understand how RBA rate changes affect your specific loan

AI advisorFree, no signupOn-deviceLiveupd February 2026
Inputs
Your numbers
$
$500k
%
6.5%
25y

Math updates live as you change inputs · AI runs on submit

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Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

When the RBA moves rates, how does it affect YOU? Our AI searches for the latest RBA news, calculates the impact on your specific loan, and provides analysis of what might come next.

§ Worked examples

Real-world scenarios

0.25% Rate Rise Impact

The Patels have a $580,000 variable loan at 6.2%. RBA raises by 0.25%.

Inputs

loanAmount:580,000currentRate:6.2rateType:VariableremainingTerm:27

Monthly repayment increases by $89 (from $3,570 to $3,659). Annual cost increase: $1,068. Over remaining term: ~$15,000 extra interest.

Rate Cut Benefit

Jenny has a $420,000 variable loan at 6.5%. RBA cuts by 0.25%.

Inputs

loanAmount:420,000currentRate:6.5rateType:VariableremainingTerm:22

Monthly saving: $64 (from $2,854 to $2,790). Tip: Keep paying the higher amount to pay off 18 months earlier.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

Cash Rate
The RBA's official interest rate that influences all lending rates in Australia. Set at monthly RBA meetings.
Basis Point
One hundredth of a percentage point. A 0.25% rate change equals 25 basis points.
Forward Guidance
Signals from the RBA about likely future rate decisions. Found in meeting statements and governor speeches.