Tools › Credit Utilization Calculator
Credit Utilization Calculator
Credit utilization is how much of your available credit you're using. Scoring models look at it per card and across all your cards, and lower is generally better — many people aim to stay under 30%, and under 10% is even better. Use the balance that shows on your statement, since that's usually what gets reported.
Not financial advice. This calculator gives estimates for general education only, based on the numbers you enter and simple assumptions (rates stay the same, no new charges or fees unless noted). Your card issuer's statements are the real numbers. Everything is calculated in your browser — nothing you type is sent or saved. See our Advertiser Disclosure.