Credit Utilization Calculator

Calculate your credit utilization ratio and see its credit-score impact.

Cards — "limit:balance" per line:

Educational calculator only — not financial advice.

How to use

Enter each card's limit and balance (limit:balance per line). Everything runs in your browser.

What's a good utilization?

Under 30% is okay, under 10% is excellent for scores.

Is this financial advice?

No — educational only.

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