📇 Credit Utilization Calculator
Check your credit utilization ratio, a key factor in your credit score, based on your balances and credit limits.
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What is credit utilization?
Credit utilization is the percentage of your available credit that you’re currently using. It’s one of the most influential factors in most credit scoring models, second only to payment history.
The formula
Credit Utilization = (Total Balances / Total Credit Limits) × 100. Many experts suggest keeping utilization under 30%, and under 10% is often considered excellent for optimizing credit scores.
This calculator is for general educational purposes and is not a substitute for your official credit report or score.
Last reviewed August 2026