Check your credit card utilization ratio and target payment amounts.
Credit Utilization Calculator
Your credit utilization rate is the total outstanding balance across all of your credit cards (and other revolving credit lines) vs. your total available credit limit across all those same accounts. It’s a major factor in determining your credit score, which can affect loan approval, interest rates, and more.
How do I use this calculator?
Enter the outstanding balances and credit limits for each of your credit cards, and this credit card utilization calculator will instantly compute your overall credit utilization ratio, helping you gauge your credit health and make informed decisions to improve your credit score.
Check your credit card utilization ratio and target payment amounts.
Utilization = total used credit ÷ total credit limit × 100. Lower utilization is generally cleaner for credit profile. This is an estimate, not a credit bureau rule guarantee.
Utilization Targets
| Target | Maximum Balance Allowed | Current Excess | Payment Needed | Status |
|---|---|---|---|---|