Credit utilization calculator
Work out your overall and per-card credit utilization, and how much to repay to reach a target ratio.
Utilization is one input among several in a credit-scoring model. No lender publishes a ratio that guarantees an outcome.
How this is worked out
Utilization = total balances ÷ total credit limits × 100What this assumes
A calculator is only as good as what it leaves out. These are the assumptions built into the result above.
- Balances are the amounts your card issuers report, which is usually the statement balance rather than what you owe today.
- Utilization is shown both overall and per card. Scoring models look at both, and weight them differently.
- Bands are descriptive. No lender publishes a utilization figure that guarantees an outcome.
Educational information only. This page explains how something works in the United States. It is not financial advice and does not take account of your circumstances. Rates, fees and eligibility change without notice — check the provider’s own terms before you act.
For free, impartial guidance, see Consumer Financial Protection Bureau. To complain about a firm, contact the CFPB complaint database.
Guides that go with this tool
Credit Utilization: What It Is and How to Lower It
Credit utilization is the share of your available credit you are using. It is one of the heaviest factors in your score — and the fastest one to change.
What Affects Your Credit Score? The Full List
The five factors scoring models actually use, ranked by weight — plus the things people believe affect a score that genuinely do not.
What Is a Credit Score? How Yours Is Calculated
A credit score is a number lenders use to estimate how likely you are to repay. Here is what goes into it, what does not, and why you have more than one.