Model how a Fed rate change flows through to mortgages, bonds, stocks, savings, and auto loans. Built for serious planning.
Default 4.50% reflects the 2026 target range.
−200 to +200 basis points (−2% to +2%).
6.20%%
New mortgage rate
5.00%%
New 10Y Treasury yield
+0.00%
P/E compression/expansion (-$0)
Historical rule of thumb: ~6% P/E compression per 100 bps hike (and symmetric upside on cuts).
4.00%%
New savings yield
7.00%%
New auto loan rate
Net annual cash flow impact
$0
Positive = more out-of-pocket each year
Negative = more cash retained each year
Excludes one-time portfolio impacts (bond price change and stock re-rating). Figures use historical regime averages and are estimates — not investment advice.
Every CalcCentral calculator is authored by a credentialed subject-matter expert and independently reviewed before publication. Our editorial policy follows the same E-E-A-T guidelines used by Google to evaluate YMYL (your-money-or-your-life) pages.
Author
Maya Chen, CFA
Chartered Financial Analyst
Independently reviewed
Dr. Aaron Pak, PhD
Doctor of Kinesiology & Public Health
Last reviewed: August 12, 2026 · Next scheduled review: quarterly
Cross-checked against authoritative formulas (IRS, NIST, ACM) and updated for 2025/2026 tax years and rates.
No server roundtrip. All math runs in your browser so results appear the moment you finish typing.
We never collect, store, or transmit your inputs. Every calculation runs locally in your browser.
Each calculator includes the formula, plain-English explanation, and FAQs so you understand the result.
Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
Use the rates from this simulator as inputs to the matching calculator below.
Mortgage Calculator
Model your exact monthly payment with the rate from this simulator.
DCF Valuation Calculator
Plug a Fed-driven WACC into the stock valuation model.
Loan Calculator
Compute loan payments at the simulator's output rate.
Savings Calculator
Project savings growth at the simulator's yield.
Auto Loan Calculator
Estimate car payment at the auto rate from this simulator.
The simulator uses historical regime averages for how the Fed funds rate flows through to other rates and asset prices. The relationships below are rough estimates — actual spreads vary with cycle, inflation expectations, and term-premium dynamics.
Sources: Federal Reserve historical data (FRED), Mortgage Bankers Association PMMS, Freddie Mac PMMS, Bloomberg historical data, FRED 10-year Treasury series.
Fed rate changes affect every state's mortgage market differently due to property tax, insurance, and conforming-loan limits. See the per-state impact: