Rate Shock Calculator
Drop in your loan and current rate, drag the slider for any RBA scenario. Real-time impact on monthly repayment and total interest.
Last verified: 5 May 2026How does an RBA rate change hit my mortgage?
On a $750,000 30-year P&I loan at 6.69%, a +0.25% move costs you about $126/month — a −0.25% cut saves the same. A full 1% move (4 RBA decisions) is roughly $500/month. This calc renders your exact number in real time as you drag the slider. Source: standard amortisation formula, RBA cash rate.
Rate scenario
−0.25%
New rate 6.44% on a 30-yr loan
Monthly Δ
−$124
−$1,484/year
Old monthly
$4,835
@ 6.69%
New monthly
$4,711
@ 6.44%
Total interest Δ
−$44,516
Over remaining term
What this means
A 0.25% cut would save you $124/month — $44,516 over the remaining term. Don’t spend it: redirect to offset, super, or extra principal and the loan ends years earlier.
Sourced from
1 primary source- RBA-Cash-RateRBA StatementRBA cash rate target
Cash rate target set by the RBA Board. Mortgage rates broadly track cash rate movements. Last verified rate baked into mortgage and offset calculators is the most recent published target.
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
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