Credit Utilization Calculator

Track per-card and overall utilization. Keep it under 30% for the best credit score impact.

Balance ($)

Credit Limit ($)

Utilization30.0%

Balance ($)

Credit Limit ($)

Utilization26.7%

Overall Utilization28.7%

Total balance: $2,300.00Total limit: $8,000.00

To reach 30% utilizationAlready there!

To reach 10% utilizationPay $1,500.00

Tip: Experts recommend keeping credit utilization below 30% on each card and overall for the best impact on your credit score.