RBA Interest Rate Decisions: What It Means for You

Every month, the Reserve Bank of Australia (RBA) decides the official cash rate. Even a small move — like 0.25% — can shift your mortgage by hundreds per year.

Instant impact calculator

Enter your loan and choose a rate change. The impact updates instantly. Default is 0.25% (you can type any numeric value).

Loan amount ($):

Rate change (%):

Upcoming RBA meeting dates

The RBA Monetary Policy Board meets eight times a year. Key upcoming dates:

2025

• 17–18 February 2025
• 31 March–1 April 2025
• 19–20 May 2025
• 7–8 July 2025
• 11–12 August 2025
• 29–30 September 2025
• 3–4 November 2025
• 8–9 December 2025

2026

• 2–3 February 2026
• 16–17 March 2026
• 4–5 May 2026
• 15–16 June 2026
• 10–11 August 2026
• 28–29 September 2026
• 2–3 November 2026
• 7–8 December 2026

Want to go deeper?

Use our full Repayment Estimator to compare scenarios across different rates, loan terms and offsets.