Finance

Credit Utilization Calculator

Calculate your credit utilization ratio — one of the biggest factors in your credit score.

Enter up to 5 credit cards:

Card 1 Balance

Card 1 Limit

Card 2 Balance

Card 2 Limit

Card 3 Balance

Card 3 Limit

Formula:
Overall Utilization = Total Balances / Total Credit Limits × 100
Per-Card Utilization = Card Balance / Card Limit × 100
Target: Keep below 30%, ideally under 10%

Why Credit Utilization Matters

Credit utilization accounts for about 30% of your FICO credit score — the second largest factor after payment history. Both overall and per-card utilization matter.

Impact on Credit Score

Utilization	Impact
0-9%	Excellent (best scores)
10-29%	Good
30-49%	Fair (starts hurting)
50-74%	Poor
75%+	Very Poor (significant damage)