Free tool
Credit utilization calculator
Utilization is balances divided by limits on revolving accounts. It is about 30% of a typical FICO score and resets every statement cycle. Enter the numbers from your latest statements — not the due-date payoff if the statement already cut.
Overall utilization
23.8%
$1,550 / $6,500
Pay down to 9%
$965
Optimal band for many FICO files
Pay down to 30%
$0
Damage floor, not the goal
| Card | Per-card util |
|---|---|
| Card 1 | 30.0% |
| Card 2 | 14.0% |
Revolving accounts only. Installment loans do not belong here. Numbers stay in your browser.
A single maxed card can hurt even when overall utilization looks fine. Pay the highest per-card percentages first, and pay before the statement closing date so the low balance is what the bureau sees. Full write-up: credit utilization, the number-one score lever.
Utilization will not erase a collection. If the file also has errors, use the dispute deadline calculator and the dispute guide.
Frequently asked questions
What is a good credit utilization ratio?
For many FICO files the strongest band is about 1–9% overall, with no single card reporting high. Under 30% is a damage floor, not the target.
Does this calculator affect my credit?
No. It only does math in your browser. It does not contact a bureau or create an inquiry.
Should I include installment loans?
No. Utilization is revolving credit — cards and lines of credit. Auto loans and mortgages are a different factor (credit mix).