Credit utilization calculator
See how much of your credit limits you're using, overall and on each card, and what it takes to reach a target.
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How this works
- Utilization is your card balances divided by your credit limits.
- Overall utilization adds up every card with a limit; each card's is its balance over its own limit.
- The pay-down amount is the balance above your target share of the limit.
- The default target is 30%: the CFPB notes that experts advise keeping your use of credit at no more than 30 percent of your total credit limit.
- It doesn't estimate your credit score. Credit limits you enter are saved with your debts in this browser.
Sources
Awaiting expert reviewEstimates only; not financial, tax or legal advice.
Common questions
What is credit utilization?
The share of your available card credit you're using: your balances divided by your credit limits, overall and for each card.
What utilization should I aim for?
The CFPB says experts advise keeping your use of credit at no more than 30 percent of your total credit limit.
Should I look at overall or per-card utilization?
The calculator shows both. Getting every card down to your target on its own can take more than reaching the target overall.
Is the information I enter saved or sent anywhere?
No sign-up is needed. Your numbers are saved only in this browser, and the other tools on the site reuse them.