Credit Utilization Calculator

Credit utilization is how much of your available credit you're using. Keeping it under 30% helps your credit score.

Your details

Total balances$Total credit limit$

Credit utilization

30.00%

Available credit: $7,000.00
Pay down to hit 30%: $0.00

Credit utilization30.00%

Formula

Utilization = total balances ÷ total credit limit × 100.

Sources & methodology

•CFPB — credit scores — CFPB

Last updated: 2026-07-20

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What Affects Your Credit ScoreThe five factors behind your credit score, why payment history and utilization dominate, and how to improve fastest.What Is Credit Utilization (and the 30% Rule)Credit utilization explained: how the balance-to-limit ratio is calculated, why the 30% rule matters for your score, and how to lower it fast.

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