Credit Utilization Calculator
Credit utilization — the percentage of your total available credit that you're currently using — is one of the most significant factors in most credit scoring models. Enter your total credit limit across all cards and your total balance owed to see your utilization ratio.
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Start AI AssessmentFrequently Asked Questions
What's a good credit utilization ratio?
Many scoring models favor utilization under 30%, with the lowest-risk profiles typically under 10%. This is general guidance, not a guarantee of any specific score.
Should I calculate utilization per card or across all cards?
Both matter — overall utilization across all cards is commonly cited as the bigger factor, but very high utilization on a single card can also affect your score.
Does paying my balance in full each month affect utilization?
Utilization is typically based on your statement balance, so even if you pay in full, a high balance at statement-closing time can still show as high utilization for that cycle.