Tools
Credit utilization calculator
Credit utilization compares your card balances to your total limits. It is one of the biggest factors in your credit score.
Overall utilization
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The line marks the 30% target.
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Utilization by card
Enter a card's balance and limit to see its individual ratio.
Total balance: — of — in limits. To learn more, see our guides oncredit utilization and yourcredit score.
Estimates are illustrative only — real terms vary by lender.
Frequently asked questions
How is credit utilization calculated?+
Add up the balances on all your cards, then divide that total by the sum of your credit limits. The result, as a percentage, is your overall utilization ratio.
Why keep it under 30%?+
Utilization under 30% is generally linked to a stronger credit score. Above that, credit bureaus may read it as a sign of over-reliance on credit, which drags your score down.
Does per-card utilization matter too?+
Yes. On top of overall utilization, a single card near its limit can hurt your score even if your total usage is low. Spreading balances or raising limits can help.
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