The Finance Algorithm
Live · as of today

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. Rates, equities, FX and crypto refresh hourly; the rest is reviewed weekly.

Headline
4.35%
Held since May 26

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%Held since May 26RBA
Variable (avg)6.80%owner-occ, discountedRBA F5
Fixed 3yr (avg)6.74%owner-occ, banksRBA F5
Lowest variable5.79%EasystreetConsumer Data Right
10yr Gov Bond5.35%▼ 0.06RBA
§ 02 — Equities & FX

Listed markets and the Aussie dollar.

IndicatorValueΔSource
ASX 2008,765.3+0.38% dayASX
AUD/USD0.7059-0.86% dayYahoo Finance
§ 03 — Property

Where the median sits this month.

IndicatorValueΔSource
Median Sydney$1.61M▼ 0.4% qtrCotality
Median Melbourne$920k▼ 0.8% qtrCotality
Auction clearance49%▼ multi-yr lowDomain
§ 04 — Super & long horizons

Returns and contribution caps.

IndicatorValueΔSource
Super (Balanced, FY25-26)+9.4%median · SuperRatingsSuperRatings
Super guarantee12.0%unchanged since Jul 2025ATO
Concessional cap$32,500FY27 indexedATO
§ 05 — Macro

The numbers behind the headlines.

IndicatorValueΔSource
Inflation (annual, Jun Q26)3.8%trimmed mean 3.9%ABS
Unemployment4.5%▲ 3-yr highABS
§ 06 — Crypto

AUD-denominated, with ATO ruling.

IndicatorValueΔSource
BTC/AUD$121,074+0.2% 24hCoinGecko
ETH/AUD$3,844-0.6% 24hCoinGecko
§ 07 — Tax & business

Standing parameters from the ATO.

IndicatorValueΔSource
Tax-free threshold$18,200unchangedATO
GST rate10%unchangedATO
Company tax25%base-rate entityATO
§ 08 — Products behind the averages

Every rate, from every institution.

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

§ Methodology

How this is sourced.

Cash & rates — RBA Statistical Tables (F1 for the cash rate target; 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.

Equities & FX — ASX 200 (^AXJO) and AUD/USD spot, with the day-on-day move measured against the prior session close.

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

Super — SuperRatings Fund Crediting Rate 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 today. Full disclaimer