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Credit Utilization Calculator
Find your credit utilization ratio from balances and limits.
Credit utilization
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Ratio.
| Rating | — |
|---|---|
| Balances | — |
| Limit | — |
| Available | — |
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Enter your figures above to see the step-by-step working.
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How the Credit Utilization Calculator Works
Credit utilization is how much of your available credit you’re using: total balances divided by total credit limits, as a percentage. $2,000 owed against $10,000 of limits is 20%. It’s one of the biggest factors in your credit score, and keeping it under 30% — ideally under 10% — helps your score most.
Both per-card and overall utilization matter, so a single maxed-out card can hurt even if your total is low. Paying down balances before the statement closes lowers the reported figure.
utilization = total balances ÷ total credit limits × 100
Frequently Asked Questions
What is a good credit utilization?
Under 30%, and under 10% is best. Lower utilization generally means a higher score.
How is credit utilization calculated?
Divide your total balances by your total credit limits and multiply by 100.
Does utilization affect my credit score?
Yes — it’s one of the largest factors. High utilization can noticeably lower your score.
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