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Credit Utilization Calculator
Utilization is one of the larger, and most fixable, parts of a credit score. Enter your balance and limit to see your ratio and whether it sits in a healthy range.
Add up the limits and balances across your cards for your overall utilization.
How this works
Utilization = balance ÷ credit limit, as a percentage. It is one of the larger factors in a score, and lower generally reads better. A useful detail: the balance that gets reported is usually the one on your statement date, not your due date. More in How credit utilization works.
A general educational estimate, not financial advice. Scoring models differ, so treat this as a guide, not a guarantee.