Forecast tool
Lock vs. Float
Should you lock your rate? Get advice based on Fed outlook.

Financial Independence forecast
Forecast tool
Should you lock your rate? Get advice based on Fed outlook.
Add your info to personalize Lock vs. Float
Fill these in once and every calculator will start with your real numbers instead of generic defaults.
Edit your baseline numbers here. They are saved and prefill calculators automatically.
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Add your info to personalize Lock vs. Float
Fill these in once and every calculator will start with your real numbers instead of generic defaults.
Edit your baseline numbers here. They are saved and prefill calculators automatically.
Home
Get guidance on whether to lock now or wait, using Fed policy pressure and live bond-market signals.
Fed Policy Pressure Index: Derived refresh unavailable
Live Signal Snapshot
How current conditions affect this decision
Source date unavailable
Economic Health
70/100
Overall conditions are mixed. Strongest: job market. Weakest: household demand.
Rate Pressure
40/100
7% now; 6-mo implied 7%
Rate Cone
0.3%
15d ±0.2%, 30d ±0.2%, 60d ±0.3%
Inflation Stress
47.6/100
Core PCE 2.8%, real wage gap 0%
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