Credit Utilization Calculator
Per-card and overall utilization ratio across all your credit cards.
Your Credit Utilization Calculator Result
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Good — $1,200 of $5,000 limit
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The Credit Utilization Calculator shows your credit utilization ratio — the percentage of your available credit you're currently using — both per card and across all your cards combined. Utilization is one of the largest factors in most credit scoring models, second only to payment history.
Add each of your revolving credit accounts with its current balance and credit limit. The calculator shows each card's individual utilization plus your overall utilization across every account, and flags any card that's pushing your score down.
Want to plan how to pay down a balance? Use the Credit Card Manager for payoff timelines and interest projections.
How Utilization Is Calculated
Overall Utilization = Total Balances ÷ Total Limits (across all cards)
Both figures matter to scoring models — a single maxed-out card can hurt your score even if your overall utilization looks fine, because some models weight the highest individual utilization heavily.
Frequently Asked Questions
Most experts recommend staying under 30%, with under 10% considered ideal for maximizing your score. Utilization above 30% on any single card or overall starts to noticeably hurt most scoring models.
Yes — utilization is a snapshot based on your statement balance, usually reported to the bureaus once a month. Paying down a balance before your statement closes can lower your reported utilization even if you carry a balance the rest of the month.
Usually not — closing a card removes its limit from your total available credit, which raises your overall utilization ratio on the remaining cards even if your spending doesn't change.