Credit Utilization Calculator
Utilization — how much of your credit limit you're using — is about 30% of your credit score. Enter your totals to see your ratio and exactly how much to pay down.
What counts as good utilization?
Under 30% is the common guideline, and under 10% is ideal for the strongest scores. Utilization is calculated as total balances ÷ total limits, and most issuers report the balance as of your statement closing date — so paying down before the statement closes is what moves the number the credit bureaus see. Both your overall ratio and each individual card's ratio matter, so it helps to keep every card below about 30%.
Frequently asked questions
What is credit utilization?
The percentage of your available revolving credit you're using — total balances ÷ total limits. It's roughly 30% of a FICO score.
What's a good ratio?
Under 30%, ideally under 10%. Over 30% (especially over 50%) can drag your score down.
How do I lower it?
Pay balances down before the statement closes, ask for a limit increase, keep old cards open, and spread spending. Our payoff calculator shows how fast you can get there.
Per-card or total?
Both count. One maxed card can hurt even with a low total, so keep each card under about 30%.
Estimates for information only — not financial or credit advice. Scoring models vary.