Rate Change Calculator
Enter a current interest rate and a basis-point change to see the resulting rate. Great for tracking Fed rate decisions, mortgage rate shifts, and bond yield changes.
Rate Change Calculator
See how a basis-point change affects an interest rate.
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How to use this calculator
Enter the current (base) interest rate as a percentage, then enter the change in basis points. Use a positive number for rate increases and a negative number for rate decreases. The calculator instantly shows the new rate.
Example: Fed rate hike of 25 basis points
If the federal funds rate is 5.25% and the Fed raises it by 25 basis points, the new rate is 5.25% + 0.25% = 5.50%. In our calculator, enter 5.25 as the base rate and 25 as the change.
Example: Rate cut of 50 basis points
If a mortgage rate is 7.00% and drops by 50 basis points, the new rate is 7.00% − 0.50% = 6.50%. Enter 7.00 as the base rate and -50 as the change.
Want to see how rate changes affect your loan payments? Try our Loan Impact Estimator →