Credit Utilization Ratio Calculator
Understand Your Credit Use. Protect Your Score.
Your credit utilization ratio is one of the most important factors in your credit score—and yet, it’s one of the easiest to improve. Our free Credit Utilization Ratio Calculator helps you see exactly how much of your credit you’re using and whether you’re in a healthy range.
Whether you have one credit card or five, this tool gives you an accurate picture of your overall usage, plus the utilization rate of each individual card. That’s key, because using too much of your available credit—even on just one card—can drag your score down.
What Is Credit Utilization?
Credit utilization is the percentage of your total available credit that you’re currently using. For example, if you have a $5,000 total credit limit and carry a $2,000 balance, your utilization is 40%. The lower your percentage, the better it looks to credit bureaus.
📘 Learn more: Check out our guide on how to improve your credit score for more helpful strategies.
Most experts—including those at Experian—recommend keeping your credit utilization below 30%, but under 10% is ideal if you’re trying to boost your score.
What This Calculator Does:
💡 Pro tip: Curious how this fits into your full financial picture? Try our Debt-to-Income Ratio Calculator next!
Why It Matters
Credit utilization accounts for roughly 30% of your FICO score. Knowing where you stand can help you make smart choices—like paying down a balance or asking for a credit limit increase—to improve your financial profile.
Use the calculator below to take control of your credit usage—and get one step closer to a better score.
Credit Utilization Ratio Calculator
Enter your credit card balances and limits below to calculate your credit utilization ratio.