THIS WEEK
What changed this week in future affordability
A factual changelog from Aspire's committed rate-data refresh. Values are trailing CAGRs at these assumptions, with sources and as-of dates shown.
Moved up
No tracked increase crossed the refresh threshold.
Moved down
-
S&P 500 Total Return
Previous CAGR at these assumptions15.51%Current CAGR at these assumptions15.08%Move-0.43 pp
S&P 500 Total Return fell 0.43 percentage points from the prior refresh. Source: Yahoo Finance:^SP500TR. As of 2026-08-10.
Other refreshed rows
These rows changed in rates.json but are not tracked as cost-vector movers for this page.
| Row | Previous CAGR | Current CAGR | Move | Source | As of |
|---|---|---|---|---|---|
| Bitcoin | 56.29% at these assumptions | 58.58% at these assumptions | +2.29 pp | Yahoo Finance:BTC-USD | 2026-08-10 |
| S&P 500 Price Index | 13.58% at these assumptions | 13.17% at these assumptions | -0.41 pp | Yahoo Finance:^GSPC | 2026-08-10 |
Unchanged notables
| Vector | Current CAGR | Source | As of | Window |
|---|---|---|---|---|
| Cost of living (CPI) | 3.31% at these assumptions | FRED | 2026-08-10 | 2016-06-01 to 2026-06-01 (10 years) |
| Home — US national (Case-Shiller) | 6.39% at these assumptions | FRED | 2026-08-10 | 2016-05-01 to 2026-05-01 (10 years) |
| Rent — US (CPI rent of primary residence) | 4.21% at these assumptions | BLS CPI-U, Rent of primary residence, U.S. city average, NSA | 2026-08-10 | 2016-06-01 to 2026-06-01 (10 years) |
| Homeowner carrying costs (tax + insurance + upkeep) | 3.60% at these assumptions | Composite — see methodology | 2026-05-31 | 2015-12-01 to 2025-12-01 (10 years) |
| Healthcare | 2.51% at these assumptions | FRED | 2026-08-10 | 2016-06-01 to 2026-06-01 (10 years) |
| Childcare — day care and preschool | 4.67% at these assumptions | BLS CPI-U, Day care and preschool, U.S. city average, NSA | 2026-08-10 | 2021-06-01 to 2026-06-01 (5 years) |
| Private K-12 tuition | 3.67% at these assumptions | BLS API:CUUR0000SEEB02 | 2026-08-10 | 2016-06-01 to 2026-06-01 (10 years) |
Sources and method
Trailing compound annual growth rate (CAGR). Most rows use 10-year windows; childcare uses the 5-year methodology source-audit window. Equities/gold/BTC: monthly closes from Yahoo Finance; sp500 uses ^GSPC price-index closes, while sp500_total_return uses ^SP500TR dividends-reinvested total return. CPI sub-indices + national home: FRED/BLS monthly series. Metro-level homes: Zillow ZHVI (SFR + condo mid-tier, smoothed, seasonally adjusted). Metro-level rents: Zillow ZORI (all homes + multifamily, smoothed, seasonally adjusted). Tuition: College Board Trends in College Pricing (annual).
This page reports trailing source data from rates.json. It does not recommend any asset, account, allocation, security, mortgage, insurance product, or financial action.