About FedRateCalc

What This Site Does

FedRateCalc is a free resource for tracking U.S. Federal Reserve interest rate decisions and estimating the cost of common loans. We publish the current federal funds target rate, the FOMC meeting schedule for 2025 and 2026, and free calculators for mortgages and student loans. Our goal is to turn the rate environment into plain, practical numbers — what a payment might look like, how much interest a loan could cost, and when the next rate decision is due.

Who Operates FedRateCalc

FedRateCalc is owned and operated by Archie Design App LLC, a company registered in Wyoming, United States. We build small, focused web tools that make everyday financial and reference information easier to understand. We are an independent publisher and are not affiliated with the Federal Reserve, any government agency, bank, or lender.

Where Our Data Comes From

Interest rate figures and meeting dates are based on primary sources, including the Federal Reserve Board, the Federal Open Market Committee (FOMC), and FRED (Federal Reserve Economic Data) from the Federal Reserve Bank of St. Louis. Mortgage and student loan calculations use standard, publicly documented amortization formulas. We always recommend confirming current figures against official sources or your own lender before making a decision.

Authoritative sources: Federal Reserve · FOMC · FRED Economic Data · U.S. Treasury

How Our Content Is Produced and Updated

Each calculator and reference page is written and reviewed in-house. We update published rates after FOMC meetings and when underlying data changes — for example, after a rate decision or the start of a new federal student loan rate year. Calculator logic is implemented from documented financial formulas and tested for accuracy. When we make a material change to a page, we revise its review date so you can see how current the information is.

We welcome corrections and questions. If you spot something that looks out of date, please reach out through our contact page.

A Note on Financial Decisions

The tools and information here are for educational purposes only and are not financial, investment, legal, or tax advice. Results are estimates and are not a loan offer. For guidance specific to your situation, consult a qualified financial professional. For full terms, see our Terms of Service and Privacy Policy.