Rate SheetFree menu bar app for macOS

The rates that drive a deal, one click from the menu bar.

Every lender publishes a daily rate sheet. This one lives in your Mac's menu bar: the federal funds target range stays in view, and a click opens the sheet with this week's mortgage averages, the 10-year Treasury and spread, the next FOMC decision, and a payment and DSCR calculator at today's rate.

Homebrew install coming with version 1.1

A notarized, universal build for macOS 14 and later. Nothing to sign up for and no API key to get first. Email us for a heads-up when it lands.

Runs on macOS 14 or later, Apple silicon or Intel, with no Dock icon and no account.

The Rate Sheet popover. Policy: fed funds target 3.75–4.00%, FOMC in 35 days (Dec 9), last change −25 bp on Sep 17. Mortgage: 30-year fixed 7.32%, 15-year fixed 6.58%, each with a 52-week sparkline. Treasury: 10-year 4.99%, 30Y − 10Y spread 2.36. Calculator: $300,000 at the 30-year average over 30 years is $2,060.79 a month. — Rate Sheet 1.1 without a key, with sample data from October 2026.

What's on the sheet

The same four sections every time, top to bottom, each captioned with the publisher that served it and the date its numbers were published.

Policy: The federal funds target range, the effective rate if you want it, the next FOMC decision with a countdown, and the last change.
Mortgage: This week's 30-year and 15-year fixed averages, each with 1-week and 52-week change and a 52-week sparkline. Add a free FRED key and the daily 30-year conforming index joins them.
Treasury: The 10-year yield, and the spread between the 30-year mortgage average and the 10-year on the survey date, with its 52-week range.
Calculator: Monthly principal and interest at today's rate or one you type, DSCR from your monthly NOI with lender-floor bands, and what ±50 bp does to both.

Works on first launch. A free key is optional.

Without a key, every number comes straight from the organization that publishes it. Add your own free FRED key and FRED becomes the primary source, with the keyless sources standing in if it ever fails.

Where each rate comes from, with and without a FRED key
Rate	Without a key (default)	With a free FRED key
Fed funds target range and effective rate	Federal Reserve Bank of New York	FRED for the target range, the New York Fed for the effective rate
10-year Treasury yield	U.S. Treasury daily par yield curve	FRED
30-year and 15-year mortgage averages	Freddie Mac PMMS, fetched directly	Freddie Mac PMMS via FRED
Daily 30-year conforming index (OBMMI)	Not available	Optimal Blue OBMMI via FRED
New target range after an FOMC decision	About 43 hours later, on the second business-day morning	The next morning

A key is a 32-character string from fredaccount.stlouisfed.org; it is kept in your login Keychain and sent only to FRED.

Where the numbers come from

Rate Sheet shows published figures unaltered, with their publication date, and each copy fetches them for its own user. These are the publishers and the notices their terms ask us to show.

Federal Reserve Bank of New York

The fed funds target range and the effective federal funds rate, from the New York Fed's Markets Data API, shown in the Policy section with their publication date.

The Effective Federal Funds Rate (EFFR) and target range data are subject to the Terms of Use posted at newyorkfed.org. The New York Fed is not responsible for publication of the EFFR by Rate Sheet, does not sanction or endorse any particular republication, and has no liability for your use.
U.S. Department of the Treasury

The 10-year yield from the daily par yield curve. A work of the United States Government, in the public domain.
Freddie Mac Primary Mortgage Market Survey (PMMS)

The weekly 30-year and 15-year fixed averages, shown exactly as published with their survey date. The rows can be turned on or off in Settings › Data sources.
Optimal Blue Mortgage Market Indices (OBMMI)

The daily 30-year conforming index, via FRED and only with your own key. Attributed to Optimal Blue, LLC.
FRED®, Federal Reserve Bank of St. Louis

Optional. With a key of your own, FRED serves the target range, the 10-year and the mortgage averages. Every user of Rate Sheet uses their own key; the app ships none.

This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. FRED® API Terms of Use.

Rate Sheet is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by LowerMedia LLC. Rate Sheet is also not affiliated with, or endorsed by, the Board of Governors, the Federal Reserve Bank of St. Louis, the U.S. Treasury, Freddie Mac or Optimal Blue.

The rates that drive a deal, one click from the menu bar.

What's on the sheet

Works on first launch. A free key is optional.

Where the numbers come from

Federal Reserve Bank of New York

U.S. Department of the Treasury

Freddie Mac Primary Mortgage Market Survey (PMMS)

Optimal Blue Mortgage Market Indices (OBMMI)

FRED®, Federal Reserve Bank of St. Louis

Private by design

Coming to Homebrew