The Finance Algorithm
Live · as of 3 days ago

Markets.

The same numbers that feed the ticker and every calculator on this site — laid out in one place. Sourced from RBA, ABS, ATO and major lender rate sheets. We update weekly.

Headline
4.35%
▲ 0.25 wk

RBA cash rate — every variable mortgage rate in the country tracks this number. Source: RBA.

§ 01 — Cash & rates

What banks pay, and charge.

IndicatorValueΔSource
RBA Cash Rate4.35%▲ 0.25 wkRBA
Variable (avg)6.49%▲ 0.25 wkLender survey
Fixed 3yr (avg)6.04%▲ 0.21 wkLender survey
Lowest variable5.99%Macquarie · 80% LVRLender survey
10yr Gov Bond4.32%▼ 0.02RBA
§ 02 — Equities & FX

Listed markets and the Aussie dollar.

IndicatorValueΔSource
ASX 2008,247.5+0.82%ASX
AUD/USD0.6612+0.34%Frankfurter
§ 03 — Property

Where the median sits this month.

IndicatorValueΔSource
Median Sydney$1.62M▲ 1.4% moCoreLogic
Median Melbourne$945k▼ 0.3% moCoreLogic
Auction clearance68%▲ 2 wkDomain
§ 04 — Super & long horizons

Returns and contribution caps.

IndicatorValueΔSource
Super (Balanced YTD)+8.4%▲ 0.6 moChant West
Super guarantee12.0%from 1 Jul 2025ATO
Concessional cap$30kFY26 indexedATO
§ 05 — Macro

The numbers behind the headlines.

IndicatorValueΔSource
Inflation (Q1 26)2.7%▼ 0.2ABS
Unemployment3.9%+0.1ABS
§ 06 — Crypto

AUD-denominated, with ATO ruling.

IndicatorValueΔSource
BTC/AUD$104,820+2.1%CoinGecko
ETH/AUD$5,612+1.4%CoinGecko
§ 07 — Tax & business

Standing parameters from the ATO.

IndicatorValueΔSource
Tax-free threshold$18,200unchangedATO
GST rate10%unchangedATO
Company tax25%base-rate entityATO
§ Methodology

How this is sourced.

Cash & rates — RBA Statistical Tables (F1 for cash rate; F4 for bond yields). Mortgage averages are derived from a weekly survey of 47 lenders' advertised rates, weighted by market share.

Equities & FX — ASX 200 close price. AUD/USD spot via Frankfurter (ECB reference rates).

Property — CoreLogic Daily Home Value Index for medians; Domain combined-capitals clearance rate.

Super — Chant West Multi-Manager Survey (Balanced option, YTD nominal).

Macro & tax — ABS quarterly CPI release, ABS Labour Force, ATO published brackets and rates.

Every figure shown elsewhere on this site reads from the same file. Last refreshed 3 days ago. Full disclaimer