Published rates, and what they do to your month
4 figures, each with the date it was last checked beside it. A rate is context. What you can spend is a different question, and it is at the foot of this page.
The one most things hang off
4.45%prime rate
Unchanged in every stored reading since August 12, 2026. A variable rate is usually written as this figure plus or minus a spread your lender sets.
Last checked Oct 1, 2026, 17:30, from the source named on the rate page.
The rest of the board
- Overnight rate target2.25%
- Inflation, last 12 months
- Benchmark yields3.37%
- Rate decisions
- Canada and the United States, side by side
- What is your card's rate over prime?
Each figure is read from its publisher and dated. Past 48 hours without a successful check a figure is shown muted with its age, and past a week it is not shown. Only days a check is scheduled count toward that age. Bank of Canada Valet, Statistics Canada, the Federal Reserve H.15. Each page names its own reading and date. How we compute and source figures
Put this against your month
What is left to spend this month?
A published rate is context. Your leftover is what you can actually use. Four figures, in this browser, under a minute.
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