Free Financial Tool
Credit Utilization Calculator
See your credit utilization per card and overall — and find out exactly how much to pay down to reach the recommended thresholds.
Your Credit Cards
How to use this calculator
Enter the current balance and credit limit for each of your credit cards. The calculator shows your utilization ratio per card and your overall ratio across all cards. Credit utilization is one of the most influential factors in your credit score — under 30% is the widely cited threshold, but under 10% is where you'll see the strongest positive effect. The tool shows you exactly how much you'd need to pay down to hit each target.
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