Credit Utilization Calculator

Your details

Use a single total for a quick read, or break it out per card to also see your highest single-card ratio.
Add up the current statement balances across all your revolving credit cards.
Add up the credit limits across all of those same cards.
The ratio you want to reach. 30% is the common guideline; under 10% is ideal.
%
Currency
Overall credit utilizationGood, within the 30% guideline
24%
Total balances$2,400
Total credit limit$10,000
Available credit left$7,600
Pay down to hit target$0
Or raise total limit to$10,000
24% %
Excellent<10Good10-30Elevated30-50High50+

24% utilization is within your 30% target.

  • You are using 24% of your 10,000 total credit limit.
  • You are already at or below your 30% target. Keeping utilization under 10% is even better for your score.
  • Utilization is recalculated each time a card reports to the bureaus, so it can change month to month without any score-history damage.

Next stepKeep balances low before each statement closes to lock in a healthy ratio.

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