Credit Utilization Calculator

Credit utilization = Total balances owed ÷ Total credit limit × 100. Add up the current statement balances across all your revolving credit cards, and divide by the sum of their credit limits.

Under 30% is the commonly cited guideline, but under 10% is considered ideal by most scoring models. Utilization above 50% can meaningfully weigh on your credit score.

Yes — credit scoring models also look at your highest individual card's utilization. You can have a healthy overall ratio while one maxed-out card still hurts your score, so it's worth spreading balances across cards rather than concentrating debt on one.

Utilization is recalculated each time a card issuer reports your balance to the credit bureaus (usually once per statement cycle), so it can change month to month without any lasting score history damage — paying down your balance before your statement closes is the fastest way to improve it.