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Credit Utilization Calculator

Credit-card utilization ratio across cards.

Compute your overall credit utilization ratio — total credit card balances divided by total credit limits — and compare against the recommended 30% threshold.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

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Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Utilization = (Total balances / Total credit limit) × 100. Below 30% is the typical FICO recommendation; below 10% is ideal.

In depth

Compute your overall credit utilization ratio — total credit card balances divided by total credit limits — and compare against the recommended 30% threshold.