Credit Utilization Calculator
Divide your total card balances by your total credit limit to find your credit utilization, a major factor in your credit score.
- Free
- No sign-up
Enter your balances and credit limit to see utilization.
Worked example
With these example inputs:
- Total balances$2,500
- Total credit limit$10,000
Credit utilization: 25.0%
- The remaining share75.0%
- If the first figure were 10% higher27.5%
Frequently asked questions
What is credit utilization?
It is the percentage of your available credit you are using. If you owe 2,500 against a 10,000 limit, your utilization is 25%.
What utilization should I aim for?
Many credit experts suggest keeping utilization below 30%, and lower is generally better for your score. Paying down balances before the statement date helps.