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Credit Utilization Calculator

Calculate overall and per-card credit utilization — a key credit-score factor — and the balance to stay under 30% or 10%.

Enter values

Separate values with commas, spaces or new lines.

Separate values with commas, spaces or new lines.

Results update as you type.

Result

Overall utilization

15%

Good — under the commonly advised 30%.

Total balance
$1,500.00
Total limit
$10,000.00
Max balance for 30%
$3,000.00
Max balance for 10%
$1,000.00

Per card

CardBalanceLimitUtilization
#11,2005,00024%
#23002,00015%
#303,0000%

About the Credit Utilization Calculator

Calculate overall and per-card credit utilization — a key credit-score factor — and the balance to stay under 30% or 10%.

Also known as: credit utilization ratio, utilization rate, credit usage.

How to use this calculator

  1. Enter card balances, card limits.
  2. The result updates instantly as you type — press Calculate (or Enter) at any time.
  3. Review the breakdown shown under the main result.
  4. Use Copy result or Share to save the answer or send a link with your inputs.

Formula

Utilization = total balances ÷ total limits × 100

Worked example

Using the values pre-filled in the calculator above:

  • Card balances: 1200, 300, 0
  • Card limits: 5000, 2000, 3000

the calculator returns:

  • Overall utilization: 15%
  • Total balance: 1,500
  • Total limit: 10,000
  • Max balance for 30%: 3,000