Who cares about ratings, just play chess!!
Your rating is a pretty good indicator of your long-term progress and improvement. You can be pretty sure that if you're studying and your rating is going DOWN, you're doing it wrong.
Def happens to some folks who overstudy the opening. Actually happened to me as well when I studied too many tactics and neglected basic positional concepts, and totally stalled out in improvement for awhile - didn't get better until I watched a lot of youtube videos from St Louis chess and realized how much basic stuff I was messing up (esp developing pieces, not moving piece twice in the opening, centralizing, etc) - only then did my rating start going up again.
It's very difficult to predict with accuracy what your over-the-board (OTB) rating will be based on your online ratings. Many people who have never played serious OTB chess find it much more difficult and perform at a lower level than they do online.
Also, for various reasons, blitz ratings here have been shown to be better predictors of performance OTB than standard ratings here.
Here's data to give you a rough estimate of your rating.
https://www.chess.com/blog/smarterchess/chesscom-rating-comparison-2015