Credit Utilization Ratio Calculator
Calculate your credit utilization ratio — the percentage of your available credit you're using. Keeping it under 30% is one of the biggest levers on your credit score.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Credit utilization
20%
How to Use This Calculator
- Add up the balances across all your revolving credit accounts.
- Add up the credit limits across those same accounts.
- Aim to keep the resulting ratio under 30% — and under 10% for the best scores.
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