Credit Utilization Calculator
Credit utilization — how much of your available credit you are using — is one of the biggest factors in your score. Enter your balances and limits to see where you stand.
Your overall credit utilization
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Enter at least one balance and limit to see your utilization.
What is a good credit utilization ratio?
Credit utilization is the percentage of your available revolving credit that you are currently using. It is calculated by dividing your total balances by your total credit limits. Most experts recommend keeping it below 30%, and under 10% is considered ideal for maximizing your score.
Utilization is calculated both per-card and across all your cards, so it helps to keep every individual card low — not just your overall average. This calculator shows your overall ratio to give you the big picture.
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