Credit Utilization Calculator
Find your credit utilization ratio.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
This calculator divides your total credit card balances by your total credit limits and multiplies by 100 to get your credit utilization ratio, then rates it against common thresholds — utilization under roughly 30% is generally considered good for credit scoring purposes, and under 10% is even better.
It's used by anyone monitoring or trying to improve their credit score before applying for a loan or mortgage, since utilization is one of the most heavily weighted factors in most credit scoring models, second only to payment history.
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