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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%.

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

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.

Credit Utilization 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