GSTReserve Bank of Australia
The 2026 rate rises add $461 a month to a $600,000 mortgage, if passed on in full
Five rises this year took the cash rate from 3.60% to 4.85%. That sum is for a 25-year principal and interest loan. Put in your own loan below.
Mortgage calculator Illustration
Enter a balance from $10,000 to $10 million, 1 to 40 years, and a rate from 0% to 25%.
All five 2026 rises (+1.25 points)
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Extra a year
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all five rises
Monthly repayment
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before and after the five rises
Latest rise only, a month
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the 0.25 point rise of 3 Nov
Latest rise only, a year
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the 0.25 point rise of 3 Nov
Read this too
The other side
Rate rises cost borrowers, and they are also how the RBA pursues price stability and full employment, the job the law gives it. Here is the case for the RBA, and the same test for governments.
How this page works
- Facts are picked by size, not by side, with the same test for every government. We say nothing about whether any rate decision was right.
- Figures come from the documents listed here. Anything we worked out ourselves is labelled GST arithmetic or GST's sum. The calculator's rules are on Assumptions.
- The RBA's financial years are written 2025/26, as in its reports. Spotted an error? Tell us.