Credit Utilization Calculator
How much of my credit am I using?
Utilization — balances divided by limits — is a major credit score factor. Lower is better.
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Copy this code into your page. Free to use with the credit link intact.
How this calculator works
Utilization = total balances ÷ total limits × 100. The pay-down targets show how much to reduce balances to reach 30% and 10%.
Frequently asked questions
Should I close unused cards?
Closing a card lowers your total limit and can raise utilization. Keeping no-fee cards open usually helps.
Learn more
Results are estimates based on the numbers you enter and simplified assumptions. They are not financial advice. See our disclaimer.