Credit Utilization Calculator

Calculate your credit utilization ratio for multiple accounts with visualizations and advice

Credit Accounts

Account Name (Optional)

Current Balance

Credit Limit

Credit Utilization Tips

Keep utilization under 30% for optimal credit score.
Pay down balances to lower utilization.
Request credit limit increases (but don't spend more).
Utilization is calculated as (Total Balances / Total Limits) × 100%.

Credit utilization is a key factor in your credit score, typically accounting for 30% of FICO scores.