Federal Funds Rate Calculator

Calculate interest on federal funds lending and understand the Fed's monetary policy rate framework.

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Important Financial Disclaimer

This calculator provides estimates based on standard financial formulas from verified references. Results are for informational and educational purposes only and should not be considered as professional financial, investment, or tax advice.

For important financial decisions such as loans, investments, mortgages, retirement planning, or tax matters, please consult with qualified financial advisors, certified financial planners, or licensed tax professionals who can review your specific situation.

Calculations may not account for all variables specific to your circumstances, local regulations, or current market conditions. Always verify results and consult professionals before making financial commitments.

Not a substitute for professional financial advice

Federal Funds Details

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days

Federal Funds Rate is the rate banks charge each other for overnight loans of reserve balances. The Fed sets a target range and uses monetary policy tools to keep the effective rate within that range.

Interest for 1 Day(s)

$14,805.56

at 5.33% effective rate

Daily Interest
$14,805.56
Annual Interest
$5.33M

Target Range Analysis

5.25%5.38%5.50%

Effective rate is 0.04bps below midpoint

Related Rates

Target Range5.25% - 5.50%
Implied Prime Rate8.33%
Discount Window Rate6.00%
Interest on Reserves (IORB)5.50%

Fed Rate Framework

  • - FOMC sets target range (25bp wide)
  • - IORB: Top of range (ceiling)
  • - ON RRP: Bottom of range (floor)
  • - Discount Rate: 50bp above target
  • - Prime Rate: ~300bp above Fed Funds
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