Published rates, and what they do to your month
5 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
7.00%prime rate
Unchanged in every stored reading since September 23, 2026. A variable rate is usually written as this figure plus or minus a spread your lender sets.
Last checked Oct 1, 2026, 17:31, from the source named on the rate page.
The rest of the board
- Federal funds effective rate3.88%
- Inflation, last 12 months3.40%
- Average US card rates, as a survey20.94%
- Treasury par yield curve4.78%
- US card credit, originations and volume
- Rate decisions
- Canada and the United States, side by side
- Is my bank FDIC-insured?
- Ask CFPB
- 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. The Federal Reserve H.15 and G.19, the Treasury daily curve, the Bureau of Labor Statistics, the CFPB. 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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