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Real savings rate

RBA term-deposit rate minus CPI, with an after-tax overlay so savers see the real return.

history mode RBAABS

What it answers

Is a term deposit actually growing a saver's money in real terms? This subtracts ABS CPI from the RBA term-deposit rate and overlays an after-tax view, so the real return is visible rather than the headline nominal rate. It answers whether cash in the bank is keeping or losing purchasing power.

Call it

curl -H 'Authorization: Bearer ak_your_key' \
  https://api.ausdata.io/v1/real-savings-rate

History mode

Add start_period and end_period to walk the series back through time instead of returning only the latest point.

curl -H 'Authorization: Bearer ak_your_key' \
  'https://api.ausdata.io/v1/real-savings-rate?start_period=2015-Q1&end_period=2024-Q4'

Returns

Every response uses the same envelope, {data, meta, links}. The data field carries the answer (an object for a single snapshot, a list when there is one row per entity). The meta field carries the trust contract: the reference periods, retrieved_at, the per-source attribution you reproduce on publish, and the stale flag. The links field offers a csv alternative when one is available.

{
  "data": { ... },
  "meta": {
    "endpoint": "/v1/real-savings-rate",
    "query": { ... },
    "period": { "start": "...", "end": "..." },
    "row_count": 1,
    "retrieved_at": "<ISO-8601 UTC>",
    "sources": [
      { "name": "...", "url": "...", "attribution": "..." }
    ],
    "stale": false,
    "stale_reason": null,
    "server_version": "..."
  },
  "links": { "csv": null }
}

Draws from

This signal joins data from 2 sources. Each source page lists the underlying datasets and canonical series.

Cross-source signals join multiple sources into one response. Reliability: a signal returns current data or a clear 503; it never serves an older vintage as the current answer.

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