Credit Utilization Calculator
Your credit utilization ratio — a major factor in your credit score.
Every calculation runs locally in your browser. Scoring models weigh many other factors too — this is one input among several, not a full credit score estimate.
Utilization ratio
30%
Good
For informational and educational purposes only — not financial, investment, or tax advice, and not a substitute for consulting a qualified professional about your specific situation. TrueMeasureKit is not liable for decisions made based on these results. See our Terms of Service.
Why 30% is the number everyone cites
Credit utilization — your total balances divided by your total limits — is the second-biggest factor in most FICO scoring models, behind only payment history. Scores tend to improve meaningfully as utilization drops below 30%, and the best outcomes are typically seen under 10%. This is calculated per statement period, so paying down a balance before the statement closes (not just before the due date) is what actually lowers the reported ratio. For a plan to pay down high balances, see the debt payoff calculator.
Frequently asked questions
What's considered a good credit utilization ratio?
Most guidance suggests keeping overall utilization under 30%, with under 10% often cited as ideal for the strongest credit scores. Utilization is recalculated each billing cycle, so it can change quickly.
Does utilization matter per card or across all cards combined?
Both — credit scoring models look at your overall utilization across all cards and can also flag any single card that's maxed out, even if your overall ratio looks fine.