Credit Utilization Calculator
Calculate your credit utilization across multiple cards and see how it affects your credit score. Experts recommend keeping utilization below 30%.
Your Credit Cards
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Enter if you want to override the sum of individual card limits
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Your Credit Utilization
Overall Utilization
0%
0%
30%
100%
Per Card Utilization
Add your credit cards and click "Calculate Utilization" to see results
Tips to Improve
- Keep utilization below 30% for optimal credit score impact
- Pay down balances before the statement closing date
- Request credit limit increases (without hard pulls when possible)
- Spread charges across multiple cards instead of maxing out one
Your Credit Card Visualization
Your credit cards will appear here after calculation
