Credit Utilization Calculator

Overall ratio · highest card · revolving credit only
Use one currency consistently. The ratio is the same in every currency.
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Add open credit-card and revolving line limits. Do not include installment loans.
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Optional: individual cards
Use these to see the highest individual-card ratio. They do not replace or change the overall totals above.
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20.0%
Overall credit utilization
LOW UTILIZATION
$8,000
Remaining available credit
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Highest individual-card utilization
Low
Utilization band
$2,000
Reported revolving balances

Low utilization

Your balances use 20.0% of your reported revolving limits. Keeping reported balances lower may support a stronger credit profile, but scoring models differ.

Related tools

How credit utilization is calculated

Overall utilization = total reported revolving balances ÷ total revolving credit limits × 100. For example, a $2,000 balance divided by a $10,000 total limit is 20% utilization. This calculator uses reported revolving balances and limits, such as credit cards and revolving credit lines.

Overall vs. per-card utilization

A lender or score may consider both your total ratio and how much of each card is used. One card near its limit can matter even when the total ratio looks moderate. Enter optional card details above to find the highest individual ratio.

What is not included

Installment loans such as mortgages, auto loans, personal loans, and student loans generally are not part of this revolving-credit utilization formula. They can affect creditworthiness in other ways.

Important: There is no single universal credit score or guaranteed score change. Credit bureau data, scoring model, timing of statement reporting, payment history, and other factors can produce different results. This is educational guidance, not credit advice.

Utilization bands used here

0–9%
Excellent
10–29%
Low
30–49%
High
50%+
Very high

Frequently asked questions