Free tool
Credit utilization calculator
Credit utilization is how much of your credit card limits you're using. Enter each card's limit and balance to see your utilization card by card and overall, and how much you'd need to pay down to get under common levels. Nothing is stored, and we never ask for card numbers.
Overall utilization
16%
- Total balances
- $1,500
- Total limits
- $9,500
- Pay down to get under 30%
- $0
- Pay down to get under 10%
- $550
- Card 140%
- Card 220%
- Card 30%
- Card 40%
30% and 10% are common rules of thumb, not official cutoffs; lower is generally better. Scores depend on many factors. General education only.
Good to know
- Payment history matters most. Paying on time every month is the biggest factor. See what goes into a credit score.
- Utilization can change quickly. Paying down balances before the statement date can lower the balance that gets reported.
- Check your reports. Make sure limits and balances are reported correctly. See your credit reports, explained.