CALCULATOR · FREE免费 · Free

Credit Utilization Calculator

Credit utilization is balances divided by total limits, usually calculated per card and overall. It affects credit scores; getting below 30 percent is common and below 10 percent is stronger.

Updated 2026-10-31 · Formula shown · No signup
--Utilization · %
--30% target balance · $
--Pay to 30% · $
--10% target balance · $
--Pay to 10% · $

Estimates only; verify on site before ordering or building.

Example

ItemValueUnit
Balance3000$
Credit limit10000$
Utilization30%
30% target balance3000$
Pay to 30%0$
10% target balance1000$
Pay to 10%2000$

Where people go wrong

  • Only checking total utilization, not per-card.
  • Paying before the statement but maxing out after.
  • Assuming closing unused cards always helps scores.

FAQ

What utilization is good?

Common advice is below 30 percent, with below 10 stronger; 0 percent is not always best.

When is it reported?

Most issuers report around the statement date, so paying before the statement helps.

Is this credit advice?

No; scoring models vary by lender.