The Finance Algorithm

Australian market data, as published.

The same numbers that feed the ticker and every calculator on this site, laid out in one place. Sourced from the RBA, ABS, APRA and ATO, and the rates lenders publish under the Consumer Data Right. Shares, currency and crypto on this page are refreshed daily (the ticker at the top updates hourly); official statistics update with each release.

Figures as of 7 Nov 2026.

The RBA cash rate since 2020

4.85%after a up 0.25 rise on 4 Nov 2026

It has run from 0.10% to 4.85% since February 2020, and every variable home loan rate follows it. The next decision is on 8 Dec 2026. Which lenders have passed on the latest move

Show the figures
RBA cash rate decisions
Took effectChangeCash rate
4 Nov 2026up 0.254.85%
30 Sept 2026up 0.254.60%
12 Aug 2026Held4.35%
17 June 2026Held4.35%
6 May 2026up 0.254.35%
18 Mar 2026up 0.254.10%
4 Feb 2026up 0.253.85%
10 Dec 2025Held3.60%
5 Nov 2025Held3.60%
1 Oct 2025Held3.60%
13 Aug 2025down 0.253.60%
9 July 2025Held3.85%
21 May 2025down 0.253.85%
2 Apr 2025Held4.10%
19 Feb 2025down 0.254.10%
11 Dec 2024Held4.35%
6 Nov 2024Held4.35%
25 Sept 2024Held4.35%
7 Aug 2024Held4.35%
19 June 2024Held4.35%
8 May 2024Held4.35%
20 Mar 2024Held4.35%
7 Feb 2024Held4.35%
6 Dec 2023Held4.35%
8 Nov 2023up 0.254.35%
4 Oct 2023Held4.10%
6 Sept 2023Held4.10%
2 Aug 2023Held4.10%
5 July 2023Held4.10%
7 June 2023up 0.254.10%
3 May 2023up 0.253.85%
5 Apr 2023Held3.60%
8 Mar 2023up 0.253.60%
8 Feb 2023up 0.253.35%
7 Dec 2022up 0.253.10%
2 Nov 2022up 0.252.85%
5 Oct 2022up 0.252.60%
7 Sept 2022up 0.502.35%
3 Aug 2022up 0.501.85%
6 July 2022up 0.501.35%
8 June 2022up 0.500.85%
4 May 2022up 0.250.35%
6 Apr 2022Held0.10%
2 Mar 2022Held0.10%
2 Feb 2022Held0.10%
8 Dec 2021Held0.10%
3 Nov 2021Held0.10%
6 Oct 2021Held0.10%
8 Sept 2021Held0.10%
4 Aug 2021Held0.10%
7 July 2021Held0.10%
2 June 2021Held0.10%
5 May 2021Held0.10%
7 Apr 2021Held0.10%
3 Mar 2021Held0.10%
3 Feb 2021Held0.10%
2 Dec 2020Held0.10%
4 Nov 2020down 0.150.10%
7 Oct 2020Held0.25%
2 Sept 2020Held0.25%
5 Aug 2020Held0.25%
8 July 2020Held0.25%
3 June 2020Held0.25%
6 May 2020Held0.25%
8 Apr 2020Held0.25%
20 Mar 2020down 0.250.25%
4 Mar 2020down 0.250.50%
5 Feb 2020Held0.75%

Unemployment since 2020

4.7%in September 2026, seasonally adjusted

It peaked at 7.4% in July 2020 and was lowest at 3.4% in October 2022. From the ABS Labour Force survey, published monthly.

Show the figures
Unemployment rate by month
MonthUnemployment rate
September 20264.7%
August 20264.7%
July 20264.5%
June 20264.4%
May 20264.4%
April 20264.5%
March 20264.3%
February 20264.3%
January 20264.1%
December 20254.1%
November 20254.3%
October 20254.3%
September 20254.4%
August 20254.2%
July 20254.3%
June 20254.3%
May 20254.1%
April 20254.1%
March 20254.1%
February 20254.1%
January 20254.1%
December 20244.0%
November 20243.9%
October 20244.1%
September 20244.0%
August 20244.1%
July 20244.2%
June 20244.0%
May 20244.0%
April 20244.1%
March 20243.9%
February 20243.7%
January 20244.1%
December 20234.0%
November 20233.9%
October 20233.8%
September 20233.6%
August 20233.7%
July 20233.7%
June 20233.5%
May 20233.6%
April 20233.7%
March 20233.6%
February 20233.6%
January 20233.7%
December 20223.5%
November 20223.5%
October 20223.4%
September 20223.6%
August 20223.5%
July 20223.5%
June 20223.6%
May 20223.9%
April 20223.9%
March 20224.0%
February 20224.0%
January 20224.2%
December 20214.2%
November 20214.6%
October 20215.2%
September 20214.7%
August 20214.6%
July 20214.7%
June 20215.0%
May 20215.1%
April 20215.5%
March 20215.7%
February 20215.9%
January 20216.3%
December 20206.6%
November 20206.8%
October 20206.9%
September 20206.9%
August 20206.8%
July 20207.4%
June 20207.4%
May 20207.0%
April 20206.3%
March 20205.2%
February 20205.1%
January 20205.3%

Every figure and its latest move

Each figure shows where it comes from and when it was last checked. Moves are on the period the source reports, so a day for shares and a year for home loans.

Cash and interest rates

RBA cash rate
4.85%
▲ 0.25Nov 2026
RBA, 7 Nov 2026
Average variable home loan rate
6.80%
owner-occ, discounted
RBA F5, 13 Oct 2026
Average 3-year fixed home loan rate
7.02%
owner-occ, banks
RBA F5, 13 Oct 2026
Lowest variable home loan rate
5.93%
SCCU
Consumer Data Right, 7 Nov 2026
10-year government bond yield
5.08%
▼ 0.00
RBA, 7 Nov 2026

Shares and the Australian dollar

ASX 200
9,020.8
▲ 2.11% day
ASX, 7 Nov 2026
Australian dollar in US dollars
0.6867
▼ 0.94% day
Yahoo Finance, 7 Nov 2026

What new home buyers are borrowing

Average new home loan, Australia
$731k
▲ 7.8% a yearJun qtr 2026
ABS, 14 Aug 2026
Average new home loan, NSW
$842k
▲ 3.3% a yearJun qtr 2026
ABS, 14 Aug 2026
Average new home loan, Victoria
$664k
▲ 4.0% a yearJun qtr 2026
ABS, 14 Aug 2026
New loans to first home buyers
30,129
▼ 0.1% a yearJun qtr 2026
ABS, 14 Aug 2026

Super returns and contribution caps

MySuper median return over 10 years
8.0% p.a.
45 productsto Jun 2026
APRA, 30 June 2026
Super guarantee
12.0%
unchanged since Jul 2025
ATO, 13 Oct 2026
Concessional contributions cap
$32,500
FY27 indexed
ATO, 13 Oct 2026

Prices and jobs

Inflation (annual, Sep 2026)
4.3%
▲ 0.3, trimmed mean 3.6%
ABS, 28 Oct 2026
Unemployment rate
4.7%
▲ 0.1Sep 2026
ABS, 15 Oct 2026

Crypto, in Australian dollars

Bitcoin
$110,431
▲ 0.8% 24h
CoinGecko, 7 Nov 2026
Ether
$3,246
▲ 0.5% 24h
CoinGecko, 7 Nov 2026

Tax settings from the ATO

Tax-free threshold
$18,200
unchanged
ATO, 13 Oct 2026
GST rate
10%
unchanged
ATO, 13 Oct 2026
Company tax rate
25%
base-rate entity
ATO, 13 Oct 2026

The products behind the averages

Averages describe the market; the products are what you can actually sign. Both are read nightly from what providers publish under the Consumer Data Right.

Home loan rates

Every residential mortgage, filtered by purpose, fixed term and LVR.

Term deposit rates

Best published rate for each term, minimum deposits, early withdrawal.

Energy plans

Supply and usage charges, feed-in tariffs and discounts by state.

How these figures are sourced

Cash and rates: RBA statistical tables, F1 for the cash rate target and F2 for bond yields, read directly from the published CSVs. Mortgage averages are the RBA's F5 lenders' rates on new loans. The lowest variable is the lowest owner-occupier, principal-and-interest rate any institution publishes under the Consumer Data Right, open to anyone, read nightly.

Shares and currency: the ASX 200 (^AXJO) and the AUD/USD spot rate, with the day-on-day move measured against the prior session close.

Property: ABS Lending Indicators. The average new owner-occupier loan is the value of new loans over their number, and the number of new loans to first home buyers is counted too, each against the same quarter a year earlier.

Super: APRA's MySuper product performance data: the middle MySuper product's net return a year over ten years, after fees and taxes.

Prices, jobs and tax: the ABS Consumer Price Index and Labour Force releases, and the ATO's published brackets and rates.

Every figure shown elsewhere on this site reads from the same file. Last refreshed 7 Nov 2026. Full disclaimer