Credit Utilization Calculator
Your credit utilization ratio — the percentage of available credit you're using — is one of the biggest factors in your credit score.
What share of your limits is in use?
Enter revolving card balances and positive limits. This is a ratio worksheet, not a credit-score simulator.
Overall ratio = total balances ÷ total limits × 100. Per-card target payment = max(0, balance − limit × target ÷ 100). The target is your planning choice, not a guaranteed scoring threshold.
Example: balances $900 and $300, limits $1,000 and $3,000 → combined 30%. A 30% target on every card requires $600 on Card 1 and $0 on Card 2.
Read the full worked example →Inputs are processed in this page, not saved or submitted by this calculator. Reloading clears your entries. Results are educational estimates.
Want the full picture? Read Credit utilization: ratios and reporting dates for how utilization fits into your overall score.