Where the figures come from
Every number on this site is official ECB / Eurosystem data, in one of two forms.
Daily fixings. The daily Euribor fixings for all five maturities, as published in the official ECB / Eurosystem series, are available from January 2006 onwards. They are the source of every value in the daily tables, of the "latest fixing" figures and of the charts.
ECB Data Portal monthly averages. The European Central Bank's statistical portal publishes official monthly averages of Euribor going back to January 1999. These are used for two things: to cover the years 1999 to 2005, for which no daily series is held here, and to cross-check the monthly averages computed from the daily fixings.
All values are held in a single record that every page draws on. It currently holds fixings from 2 January 2006 to 21 October 2026, covering 5315 business days. The record is only ever extended; an update that would remove existing fixings is rejected.
How averages are computed
A monthly average is the arithmetic mean of the daily fixings in that calendar month, with each business day counted once. This is the figure most mortgage contracts refer to when they say "the monthly average of 12-month Euribor". For the current month the page shows a running average over the fixings received so far and states how many days it covers.
A yearly average is the arithmetic mean of all daily fixings in the year. For the years before 2006, where only the ECB monthly averages are available, the yearly figure is the mean of those twelve monthly values.
Highs and lows are the highest and lowest daily fixing in the period, with the date on which each occurred.
Implied forward rates
The forecast page does not contain a forecast. It contains implied forward rates, which are computed from the fixings of a single day, 21 October 2026, using the standard money-market relationship for simple interest on an ACT/360 basis. In words: the forward rate between two dates is the rate that makes borrowing for the longer period equivalent to borrowing for the shorter period and then rolling over at the forward rate for the remainder. The exact expression is shown on that page. Because the inputs are the day's fixings, the forwards change every business day, and because longer maturities include a term premium they are not an unbiased estimate of anything.
Known differences versus official monthly averages
The monthly averages computed from the daily fixings agree with the ECB Data Portal to the rounding shown in the tables in almost every month. In a small number of months the two differ by a hundredth of a percentage point or two. The most likely reasons are rounding of the daily inputs and differences in which days are included around holidays.
The largest difference identified so far is March 2022 for the 12-month maturity, where the computed average and the ECB figure differ by 0.014 percentage points. The site shows the computed average and, where available, the ECB figure alongside it, so you can see both. For a mortgage revision the figure that matters is the one your bank or the official source in your country publishes, not this site's computation.
The 24-hour delay
EMMI publishes the fixings at about 11:00 CET on every euro-area banking day. Public republication is permitted only after 24 hours. This site is updated once per business day after that window has passed, when the new fixing has been checked and added. The newest date you see, 21 October 2026, is therefore normally the last business day before today, and never today's fixing.
Checks before publication
Each new fixing is checked for completeness and plausibility before it appears on the site. No figure is ever estimated, smoothed or adjusted; a wrong value is replaced only with the value from the official ECB / Eurosystem series.
What is not here
This site does not hold intraday data, contributions of individual panel banks, or any maturity other than the five current ones. It does not hold the fifteen-maturity series that existed before 1 November 2013 beyond the five that survived. For the official record, the administrator is EMMI; for your own loan, the reference is whatever your contract names.