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Credit Utilization Calculator
Calculate your credit utilization ratio and see how it impacts your credit score
Add Your Credit Cards
Enter your credit card information below to calculate your overall utilization ratio.
Card 1
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What is Credit Utilization?
Credit utilization is the ratio of your current credit card balances to your credit limits. It's one of the most important factors in your credit score, accounting for about 30% of your FICO score.
Optimal Ranges
- Excellent (0-10%)
Optimal for credit score
- Good (11-30%)
Safe range for most people
- Fair (31-50%)
May impact your score
- Poor (51-100%)
Significantly hurts your score
Tips to Lower Utilization
- Pay down balances before statement closing
- Request credit limit increases
- Spread charges across multiple cards
- Make multiple payments per month
- Keep old accounts open