Research Hub
Original, reproducible studies that turn a current market average into the real cost or return on a typical balance — every figure you can check yourself in the linked calculator.
Not financial advice. This hub is for information and education only. It does not recommend a lender, a rate, or a time to borrow or save. Read the full disclaimer.
The studies
Each study states its inputs, the formula, and the primary sources. Where a number is presented, it can be reproduced with the standard finance formula and the linked calculator.
Average Mortgage Rates 2026
What each current average rate actually costs on a typical 30-year loan — monthly payment and lifetime interest.
LivePersonal Loan Rates 2026
Average APRs by credit tier, converted into real monthly payments and total cost on a $15,000 loan.
LiveSavings Rates by Country 2026
How much a $10,000 balance earns in a year across major markets, at current average savings yields.
How we research
Every study follows the same three rules, so the work is checkable rather than authoritative-sounding:
- One input, one formula. We publish the rate or yield used and the exact formula applied. Nothing is estimated in secret.
- Reproducible. Each headline figure can be recomputed in a linked calculator with the same inputs.
- Primary sources only. Averages come from central banks and national statistics, not from aggregator marketing pages. Sources are listed on each study.
Common questions
What is AINext Growth research?
Short, reproducible studies that take a current market average and compute exactly what it costs or earns on a typical balance, using the same formulas as our calculators.
How are the numbers produced?
Each study states its inputs, the formula used, and the primary sources. Every figure can be reproduced in the linked calculator, so nothing depends on a black box.
Are these recommendations?
No. The studies are educational and informational only. They do not recommend a lender, a rate, or a time to borrow or save.
Sources & method
Formulas follow the standard amortization and compound-interest math referenced by the Consumer Financial Protection Bureau (US) and the Federal Reserve (US). Page last reviewed September 2026 — found an error? Tell us. Full method: methodology.