About the Credit Utilization Calculator
Credit utilization is your credit card balances divided by your credit limits. It is one of the factors credit scoring models consider, both overall and for individual cards.
This calculator reports the numbers only. It does not predict or promise a credit score, because scores depend on many factors and differ by model.
How It Works
Choose Totals to enter your combined credit limit and balance, or Card by card to list each card. In card mode, the overall ratio uses the sum of all balances and all limits, and each card's own ratio is shown separately.
Balances usually reflect what is reported to credit bureaus, which is often your statement balance rather than your balance on a given day.
Formula
Example
Three cards: Card A has a $5,000 limit and $1,500 balance, Card B $3,000 and $300, Card C $2,000 and $700.
Inputs
- Total limit
- $10,000
- Total balance
- $2,500
Results
- Overall utilization
- 25.00%
- Card A / B / C
- 30% / 10% / 35%
- Available credit
- $7,500.00
Assumptions & Limitations
- Revolving accounts only: installment loans such as auto or student loans are not part of credit card utilization.
- Balances you enter may differ from what your issuers report to credit bureaus.
Understanding Your Results
- Overall Utilization: Total balances as a share of total limits.
- Per-card utilization: Each card's balance as a share of its own limit.
- Available Credit: How much of your limits remains unused.