Credit Utilization Calculator

See how much of your available credit you're using, per card and overall, and exactly how much to pay down to hit a healthier number.

Your Credit Cards

Add every card you're carrying a balance on

30%
5% 50%

Overall Utilization
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Total Outstanding
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Total Credit Limit
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Paydown To Hit Target
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Your Card-wise Utilization

Card Limit Balance Utilization Paydown To Target

Disclaimer: Utilization is one of several factors in your credit score, along with payment history, credit age and enquiries. These bands (Excellent under 10%, Good 10-30%, Fair 30-50%, High 50% and above) are general guidance, not the formula of any credit bureau, and this tool does not predict a score or a score change. Both your overall utilization and each card's utilization can matter, so a healthy overall number does not always offset one maxed-out card. These figures assume no new spend while you pay down. This is an illustration, not financial advice.

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Found saving worth switching for? Get your best rate in 2 minutes

Starting at 10.25% ROI
50+ lenders offers, one application
No impact on credit score