MONEY
ECB keeps key interest rates unchanged after June increase
On 23 July 2026 the ECB kept its three key rates at 2.25%, 2.40% and 2.65%.
RATIOXA MONEY
Loans, interest & financial decisions
Refinance, repay or invest? Equal time horizons and transparent interest logic.
CURRENT CONTEXT
What changed?
Curated developments that may affect a RATIOXA assumption. Every update requires a visible source.
Available
What do you want to figure out?
A system for decisions that deserve more than a gut feeling.
01Open →02Open →03Open →04Open →
Money · DECISION TOOL
Check refinancing
Interest saving after term, fees and early repayment cost.
Saving · Fee break-evenMoney · DECISION TOOL
Repay or invest?
Guaranteed interest saving versus uncertain after-tax return.
Future value · Return crossoverMoney · DECISION TOOL
Loan calculator
Payment, interest, total cost and extra repayment.
Payment · InterestMoney · DECISION TOOL
Compound interest
Future value, contributions, gain and real purchasing power.
Future value · Real purchasing powerRATIOXA METHOD
Not just: What costs less?
What changes the answer?
Crossovers are found with robust numerical solvers inside defined bounds.
How we calculate →