Tools

Credit utilization calculator

Credit utilization compares how much credit you are using with the credit you have available. Enter a balance and a limit to see the percentage.

Assumptions and limits

Formula: balance ÷ credit limit × 100

This is arithmetic on the two numbers you enter. It does not predict any change in a credit score.
For several cards, you can enter the combined balances and the combined limits.
Scoring models vary, and this tool does not set a target percentage.

Educational guidance. No credit check. No approval guarantee.