The Finance Algorithm
Live · as of 10 May 2026

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 10 May 2026. Full disclaimer