rba-rate-intelligence – OpenClaw Skill

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name: rba-rate-intelligence description: RBA cash rate monitor, meeting schedule, CPI tracker, and mortgage impact calculator for Australia. homepage: https://oneyco.com.au metadata: {"clawdbot":{"emoji":"📊","category":"Finance"}}

RBA Rate Intelligence

Real-time Reserve Bank of Australia cash rate monitoring, meeting schedules, and mortgage impact analysis.

Current Rates (February 2026)

Metric	Value	Last Change
RBA Cash Rate	4.10%	Dec 2024 (-25bp)
CPI (Annual)	2.8%	Q4 2024
RBA Target	2-3%	Inflation target band

⚠️ Rates change. Always verify at rba.gov.au

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RBA Meeting Schedule 2026

The RBA Board meets 8 times per year to decide the cash rate.

#	Date	Day
1	18 February 2026	Tuesday
2	1 April 2026	Wednesday
3	20 May 2026	Wednesday
4	1 July 2026	Wednesday
5	12 August 2026	Wednesday
6	23 September 2026	Wednesday
7	4 November 2026	Wednesday
8	9 December 2026	Wednesday

Decision announcement: 2:30 PM AEDT/AEST on meeting day

Official calendar: RBA Monetary Policy Meetings

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Rate Impact Calculator

Monthly Repayment Formula (P&I)

M = P × [r(1+r)^n] / [(1+r)^n – 1]

Where:
- P = Principal (loan amount)
- r = Monthly rate (annual rate ÷ 12 ÷ 100)
- n = Total months (years × 12)

Quick Impact Table ($500,000 loan, 30 years)

Rate	Monthly P&I	vs 4.10%
3.60%	$2,272	-$160/mo
3.85%	$2,343	-$89/mo
4.10%	$2,416	—
4.35%	$2,490	+$74/mo
4.60%	$2,565	+$149/mo
5.00%	$2,684	+$268/mo
6.00%	$2,998	+$582/mo

Per 0.25% Rate Change

$500,000 loan → ~$75/month difference
$750,000 loan → ~$112/month difference
$1,000,000 loan → ~$150/month difference

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CPI & Inflation

What is CPI?

Consumer Price Index measures the average change in prices paid by households for goods and services.

Latest CPI Data

Quarter	Annual %	Trend
Q4 2024	2.8%	↓
Q3 2024	2.9%	↓
Q2 2024	3.4%	↓
Q1 2024	3.8%	↓

RBA's Inflation Target

• Target band: 2-3% annual inflation
• Above 3%: RBA may raise rates to cool economy
• Below 2%: RBA may cut rates to stimulate growth

Data source: ABS CPI

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Historical Cash Rate

Recent Rate Movements

Date	Rate	Change
Dec 2024	4.10%	-0.25%
Nov 2023	4.35%	+0.25%
Jun 2023	4.10%	+0.25%
May 2023	3.85%	+0.25%
Mar 2023	3.60%	+0.25%
Nov 2020	0.10%	-0.15% (COVID low)

Key Milestones

• COVID Low: 0.10% (Nov 2020 – Apr 2022)
• Fastest Hike Cycle: +4.25% in 18 months (May 2022 – Nov 2023)
• Current Easing Cycle: Started Dec 2024

Full history: RBA Cash Rate Target

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Variable vs Fixed Rates

Type	Pros	Cons
Variable	Benefits from rate cuts; Flexible (extra repayments, offset)	Exposed to rate rises
Fixed	Certainty; Protection from rises	Misses out on cuts; Break costs; Limited flexibility

Current Market Rates (Indicative)

Product	Range
Variable (owner-occupied, P&I)	5.80% – 6.50%
2-year Fixed	5.50% – 6.20%
3-year Fixed	5.40% – 6.00%

Rates vary by lender, LVR, and loan features. Compare at canstar.com.au

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Proactive Alerts (For Clawdbot Users)

Set up reminders for RBA meetings:

"Remind me the day before each RBA meeting"
"Alert me when RBA changes the cash rate"
"Notify me when CPI data is released"

CPI release schedule: Quarterly (late Jan, Apr, Jul, Oct)

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Key Resources

• RBA Official: rba.gov.au
• ABS Statistics: abs.gov.au
• Rate Comparison: canstar.com.au
• Economic Calendar: tradingeconomics.com/australia/calendar

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Disclaimer

This skill provides general information only. Interest rates, economic data, and policies change frequently. Always verify current rates with official sources (RBA, ABS) and consult a qualified mortgage broker or financial advisor before making financial decisions.

Built by Oney & Co — Australian lending insights, simplified.