Free tool · no signup

Credit utilization calculator

Utilization — your balances as a share of your limits — is one of the biggest levers on your score after payment history. Enter each card to see where you stand. Nothing you type leaves your browser.

Overall utilization

$ of $

How to read it

Under 10% is where the highest scores live; under 30% is the widely cited guideline (CFPB).
Both overall and per-card utilization matter — one maxed card hurts even when the total is low, so pay the highest-percentage card first.
Utilization has no memory: scores use the balances currently reported, so paying down before the statement closes can move things within a cycle or two.

General information, not financial advice. Scoring models weigh utilization differently; results vary.

High utilization isn't the only drag on a score

Inaccurate negative items weigh more. thecredit reads your reports, finds what's disputable, and handles the letters.

Start free