NOTE: THIS DATA FILE WILL CHANGE! To improve accessibility of data for all users, we will convert this file from a text format to an html table by the end of June 2024. Title: Real User Cost Index of MSI-MZM (alternative) Series ID: OCMZMA Source: Anderson, Richard G., Jones, Barry E. Release: Monetary Services Index (MSI) (Not a Press Release) Seasonal Adjustment: Not Seasonally Adjusted Frequency: Monthly Units: Percent Date Range: 1967-01-01 to 2013-12-01 Last Updated: 2014-01-17 7:16 AM CST Notes: Preferred benchmark rate equals 100 basis points plus the largest rate in the set of rates. Alternative benchmark rate equals the larger of the preferred benchmark rate and the Baa corporate bond yield. DATE VALUE 1967-01-01 0.0286 1967-02-01 0.0262 1967-03-01 0.0258 1967-04-01 0.0225 1967-05-01 0.0226 1967-06-01 0.0250 1967-07-01 0.0242 1967-08-01 0.0248 1967-09-01 0.0249 1967-10-01 0.0266 1967-11-01 0.0297 1967-12-01 0.0313 1968-01-01 0.0286 1968-02-01 0.0274 1968-03-01 0.0312 1968-04-01 0.0304 1968-05-01 0.0341 1968-06-01 0.0345 1968-07-01 0.0316 1968-08-01 0.0295 1968-09-01 0.0291 1968-10-01 0.0319 1968-11-01 0.0342 1968-12-01 0.0359 1969-01-01 0.0380 1969-02-01 0.0416 1969-03-01 0.0441 1969-04-01 0.0437 1969-05-01 0.0500 1969-06-01 0.0593 1969-07-01 0.0581 1969-08-01 0.0570 1969-09-01 0.0593 1969-10-01 0.0528 1969-11-01 0.0555 1969-12-01 0.0592 1970-01-01 0.0526 1970-02-01 0.0488 1970-03-01 0.0456 1970-04-01 0.0427 1970-05-01 0.0452 1970-06-01 0.0484 1970-07-01 0.0447 1970-08-01 0.0422 1970-09-01 0.0419 1970-10-01 0.0416 1970-11-01 0.0418 1970-12-01 0.0403 1971-01-01 0.0381 1971-02-01 0.0361 1971-03-01 0.0367 1971-04-01 0.0368 1971-05-01 0.0378 1971-06-01 0.0386 1971-07-01 0.0386 1971-08-01 0.0447 1971-09-01 0.0435 1971-10-01 0.0367 1971-11-01 0.0361 1971-12-01 0.0361 1972-01-01 0.0353 1972-02-01 0.0354 1972-03-01 0.0355 1972-04-01 0.0356 1972-05-01 0.0355 1972-06-01 0.0353 1972-07-01 0.0355 1972-08-01 0.0352 1972-09-01 0.0346 1972-10-01 0.0344 1972-11-01 0.0340 1972-12-01 0.0336 1973-01-01 0.0334 1973-02-01 0.0479 1973-03-01 0.0451 1973-04-01 0.0469 1973-05-01 0.0441 1973-06-01 0.0456 1973-07-01 0.0542 1973-08-01 0.0598 1973-09-01 0.0581 1973-10-01 0.0538 1973-11-01 0.0505 1973-12-01 0.0560 1974-01-01 0.0485 1974-02-01 0.0434 1974-03-01 0.0469 1974-04-01 0.0543 1974-05-01 0.0608 1974-06-01 0.0632 1974-07-01 0.0707 1974-08-01 0.0713 1974-09-01 0.0664 1974-10-01 0.0567 1974-11-01 0.0516 1974-12-01 0.0528 1975-01-01 0.0493 1975-02-01 0.0484 1975-03-01 0.0474 1975-04-01 0.0480 1975-05-01 0.0485 1975-06-01 0.0481 1975-07-01 0.0476 1975-08-01 0.0479 1975-09-01 0.0480 1975-10-01 0.0480 1975-11-01 0.0477 1975-12-01 0.0476 1976-01-01 0.0468 1976-02-01 0.0458 1976-03-01 0.0451 1976-04-01 0.0440 1976-05-01 0.0435 1976-06-01 0.0437 1976-07-01 0.0433 1976-08-01 0.0422 1976-09-01 0.0408 1976-10-01 0.0401 1976-11-01 0.0398 1976-12-01 0.0391 1977-01-01 0.0389 1977-02-01 0.0392 1977-03-01 0.0392 1977-04-01 0.0389 1977-05-01 0.0385 1977-06-01 0.0379 1977-07-01 0.0376 1977-08-01 0.0373 1977-09-01 0.0372 1977-10-01 0.0378 1977-11-01 0.0381 1977-12-01 0.0383 1978-01-01 0.0394 1978-02-01 0.0395 1978-03-01 0.0400 1978-04-01 0.0402 1978-05-01 0.0413 1978-06-01 0.0437 1978-07-01 0.0451 1978-08-01 0.0439 1978-09-01 0.0472 1978-10-01 0.0535 1978-11-01 0.0615 1978-12-01 0.0626 1979-01-01 0.0610 1979-02-01 0.0570 1979-03-01 0.0561 1979-04-01 0.0553 1979-05-01 0.0561 1979-06-01 0.0542 1979-07-01 0.0552 1979-08-01 0.0590 1979-09-01 0.0652 1979-10-01 0.0758 1979-11-01 0.0776 1979-12-01 0.0750 1980-01-01 0.0739 1980-02-01 0.0797 1980-03-01 0.0969 1980-04-01 0.0914 1980-05-01 0.0674 1980-06-01 0.0595 1980-07-01 0.0598 1980-08-01 0.0629 1980-09-01 0.0656 1980-10-01 0.0708 1980-11-01 0.0862 1980-12-01 0.1073 1981-01-01 0.1011 1981-02-01 0.0878 1981-03-01 0.0784 1981-04-01 0.0824 1981-05-01 0.0989 1981-06-01 0.0966 1981-07-01 0.1003 1981-08-01 0.0958 1981-09-01 0.0919 1981-10-01 0.0851 1981-11-01 0.0776 1981-12-01 0.0814 1982-01-01 0.0849 1982-02-01 0.0839 1982-03-01 0.0811 1982-04-01 0.0806 1982-05-01 0.0800 1982-06-01 0.0823 1982-07-01 0.0819 1982-08-01 0.0817 1982-09-01 0.0793 1982-10-01 0.0743 1982-11-01 0.0725 1982-12-01 0.0720 1983-01-01 0.0710 1983-02-01 0.0712 1983-03-01 0.0688 1983-04-01 0.0662 1983-05-01 0.0648 1983-06-01 0.0663 1983-07-01 0.0658 1983-08-01 0.0669 1983-09-01 0.0663 1983-10-01 0.0658 1983-11-01 0.0672 1983-12-01 0.0681 1984-01-01 0.0670 1984-02-01 0.0667 1984-03-01 0.0692 1984-04-01 0.0708 1984-05-01 0.0732 1984-06-01 0.0747 1984-07-01 0.0745 1984-08-01 0.0701 1984-09-01 0.0679 1984-10-01 0.0659 1984-11-01 0.0646 1984-12-01 0.0663 1985-01-01 0.0671 1985-02-01 0.0673 1985-03-01 0.0705 1985-04-01 0.0695 1985-05-01 0.0680 1985-06-01 0.0640 1985-07-01 0.0648 1985-08-01 0.0653 1985-09-01 0.0652 1985-10-01 0.0641 1985-11-01 0.0612 1985-12-01 0.0580 1986-01-01 0.0570 1986-02-01 0.0544 1986-03-01 0.0502 1986-04-01 0.0490 1986-05-01 0.0507 1986-06-01 0.0514 1986-07-01 0.0509 1986-08-01 0.0522 1986-09-01 0.0535 1986-10-01 0.0544 1986-11-01 0.0531 1986-12-01 0.0521 1987-01-01 0.0501 1987-02-01 0.0498 1987-03-01 0.0497 1987-04-01 0.0532 1987-05-01 0.0564 1987-06-01 0.0562 1987-07-01 0.0569 1987-08-01 0.0584 1987-09-01 0.0621 1987-10-01 0.0636 1987-11-01 0.0607 1987-12-01 0.0611 1988-01-01 0.0595 1988-02-01 0.0564 1988-03-01 0.0562 1988-04-01 0.0589 1988-05-01 0.0597 1988-06-01 0.0589 1988-07-01 0.0593 1988-08-01 0.0594 1988-09-01 0.0563 1988-10-01 0.0521 1988-11-01 0.0523 1988-12-01 0.0528 1989-01-01 0.0521 1989-02-01 0.0540 1989-03-01 0.0585 1989-04-01 0.0560 1989-05-01 0.0515 1989-06-01 0.0504 1989-07-01 0.0487 1989-08-01 0.0459 1989-09-01 0.0464 1989-10-01 0.0453 1989-11-01 0.0448 1989-12-01 0.0452 1990-01-01 0.0467 1990-02-01 0.0486 1990-03-01 0.0493 1990-04-01 0.0500 1990-05-01 0.0508 1990-06-01 0.0492 1990-07-01 0.0492 1990-08-01 0.0514 1990-09-01 0.0535 1990-10-01 0.0545 1990-11-01 0.0538 1990-12-01 0.0525 1991-01-01 0.0539 1991-02-01 0.0522 1991-03-01 0.0530 1991-04-01 0.0527 1991-05-01 0.0530 1991-06-01 0.0543 1991-07-01 0.0539 1991-08-01 0.0524 1991-09-01 0.0518 1991-10-01 0.0527 1991-11-01 0.0540 1991-12-01 0.0543 1992-01-01 0.0566 1992-02-01 0.0592 1992-03-01 0.0600 1992-04-01 0.0603 1992-05-01 0.0604 1992-06-01 0.0603 1992-07-01 0.0599 1992-08-01 0.0593 1992-09-01 0.0599 1992-10-01 0.0626 1992-11-01 0.0639 1992-12-01 0.0626 1993-01-01 0.0615 1993-02-01 0.0595 1993-03-01 0.0578 1993-04-01 0.0580 1993-05-01 0.0590 1993-06-01 0.0578 1993-07-01 0.0567 1993-08-01 0.0540 1993-09-01 0.0519 1993-10-01 0.0517 1993-11-01 0.0549 1993-12-01 0.0553 1994-01-01 0.0551 1994-02-01 0.0560 1994-03-01 0.0591 1994-04-01 0.0621 1994-05-01 0.0623 1994-06-01 0.0619 1994-07-01 0.0628 1994-08-01 0.0619 1994-09-01 0.0633 1994-10-01 0.0647 1994-11-01 0.0649 1994-12-01 0.0619 1995-01-01 0.0613 1995-02-01 0.0586 1995-03-01 0.0569 1995-04-01 0.0560 1995-05-01 0.0526 1995-06-01 0.0501 1995-07-01 0.0516 1995-08-01 0.0532 1995-09-01 0.0510 1995-10-01 0.0494 1995-11-01 0.0488 1995-12-01 0.0472 1996-01-01 0.0475 1996-02-01 0.0497 1996-03-01 0.0535 1996-04-01 0.0552 1996-05-01 0.0563 1996-06-01 0.0572 1996-07-01 0.0566 1996-08-01 0.0551 1996-09-01 0.0566 1996-10-01 0.0542 1996-11-01 0.0517 1996-12-01 0.0526 1997-01-01 0.0545 1997-02-01 0.0532 1997-03-01 0.0553 1997-04-01 0.0565 1997-05-01 0.0550 1997-06-01 0.0532 1997-07-01 0.0509 1997-08-01 0.0514 1997-09-01 0.0503 1997-10-01 0.0492 1997-11-01 0.0479 1997-12-01 0.0469 1998-01-01 0.0459 1998-02-01 0.0466 1998-03-01 0.0474 1998-04-01 0.0476 1998-05-01 0.0475 1998-06-01 0.0458 1998-07-01 0.0460 1998-08-01 0.0459 1998-09-01 0.0456 1998-10-01 0.0475 1998-11-01 0.0497 1998-12-01 0.0494 1999-01-01 0.0504 1999-02-01 0.0518 1999-03-01 0.0534 1999-04-01 0.0531 1999-05-01 0.0556 1999-06-01 0.0584 1999-07-01 0.0574 1999-08-01 0.0589 1999-09-01 0.0588 1999-10-01 0.0602 1999-11-01 0.0576 1999-12-01 0.0574 2000-01-01 0.0587 2000-02-01 0.0578 2000-03-01 0.0584 2000-04-01 0.0582 2000-05-01 0.0622 2000-06-01 0.0571 2000-07-01 0.0556 2000-08-01 0.0547 2000-09-01 0.0555 2000-10-01 0.0554 2000-11-01 0.0547 2000-12-01 0.0522 2001-01-01 0.0528 2001-02-01 0.0541 2001-03-01 0.0553 2001-04-01 0.0595 2001-05-01 0.0619 2001-06-01 0.0624 2001-07-01 0.0636 2001-08-01 0.0632 2001-09-01 0.0667 2001-10-01 0.0683 2001-11-01 0.0694 2001-12-01 0.0733 2002-01-01 0.0723 2002-02-01 0.0730 2002-03-01 0.0753 2002-04-01 0.0747 2002-05-01 0.0753 2002-06-01 0.0740 2002-07-01 0.0737 2002-08-01 0.0708 2002-09-01 0.0691 2002-10-01 0.0727 2002-11-01 0.0725 2002-12-01 0.0717 2003-01-01 0.0711 2003-02-01 0.0684 2003-03-01 0.0676 2003-04-01 0.0669 2003-05-01 0.0624 2003-06-01 0.0608 2003-07-01 0.0658 2003-08-01 0.0699 2003-09-01 0.0677 2003-10-01 0.0672 2003-11-01 0.0665 2003-12-01 0.0659 2004-01-01 0.0644 2004-02-01 0.0627 2004-03-01 0.0612 2004-04-01 0.0647 2004-05-01 0.0676 2004-06-01 0.0678 2004-07-01 0.0657 2004-08-01 0.0636 2004-09-01 0.0612 2004-10-01 0.0600 2004-11-01 0.0595 2004-12-01 0.0583 2005-01-01 0.0565 2005-02-01 0.0539 2005-03-01 0.0558 2005-04-01 0.0549 2005-05-01 0.0538 2005-06-01 0.0520 2005-07-01 0.0524 2005-08-01 0.0518 2005-09-01 0.0520 2005-10-01 0.0541 2005-11-01 0.0544 2005-12-01 0.0530 2006-01-01 0.0517 2006-02-01 0.0515 2006-03-01 0.0525 2006-04-01 0.0547 2006-05-01 0.0549 2006-06-01 0.0549 2006-07-01 0.0540 2006-08-01 0.0519 2006-09-01 0.0506 2006-10-01 0.0504 2006-11-01 0.0502 2006-12-01 0.0500 2007-01-01 0.0504 2007-02-01 0.0504 2007-03-01 0.0498 2007-04-01 0.0499 2007-05-01 0.0501 2007-06-01 0.0528 2007-07-01 0.0523 2007-08-01 0.0523 2007-09-01 0.0519 2007-10-01 0.0514 2007-11-01 0.0515 2007-12-01 0.0550 2008-01-01 0.0551 2008-02-01 0.0622 2008-03-01 0.0655 2008-04-01 0.0682 2008-05-01 0.0682 2008-06-01 0.0696 2008-07-01 0.0706 2008-08-01 0.0705 2008-09-01 0.0726 2008-10-01 0.0909 2008-11-01 0.0958 2008-12-01 0.0893 2009-01-01 0.0879 2009-02-01 0.0883 2009-03-01 0.0924 2009-04-01 0.0926 2009-05-01 0.0895 2009-06-01 0.0835 2009-07-01 0.0794 2009-08-01 0.0740 2009-09-01 0.0713 2009-10-01 0.0712 2009-11-01 0.0717 2009-12-01 0.0726 2010-01-01 0.0714 2010-02-01 0.0725 2010-03-01 0.0718 2010-04-01 0.0715 2010-05-01 0.0693 2010-06-01 0.0713 2010-07-01 0.0689 2010-08-01 0.0651 2010-09-01 0.0651 2010-10-01 0.0658 2010-11-01 0.0681 2010-12-01 0.0699 2011-01-01 0.0699 2011-02-01 0.0705 2011-03-01 0.0693 2011-04-01 0.0693 2011-05-01 0.0666 2011-06-01 0.0663 2011-07-01 0.0664 2011-08-01 0.0620 2011-09-01 0.0611 2011-10-01 0.0622 2011-11-01 0.0596 2011-12-01 0.0608 2012-01-01 0.0606 2012-02-01 0.0596 2012-03-01 0.0606 2012-04-01 0.0602 2012-05-01 0.0588 2012-06-01 0.0582 2012-07-01 0.0566 2012-08-01 0.0570 2012-09-01 0.0563 2012-10-01 0.0534 2012-11-01 0.0526 2012-12-01 0.0540 2013-01-01 0.0551 2013-02-01 0.0563 2013-03-01 0.0564 2013-04-01 0.0534 2013-05-01 0.0550 2013-06-01 0.0602 2013-07-01 0.0617 2013-08-01 0.0628 2013-09-01 0.0633 2013-10-01 0.0614 2013-11-01 0.0622 2013-12-01 0.0622