Credit Utilization Calculator
Calculate your credit utilization ratio across one or more cards and how much to pay down to hit a target.
About this calculator
Add any number of credit cards to calculate your overall credit utilization ratio (total balance ÷ total limit), one of the most heavily weighted factors in credit scoring, plus a per-card breakdown and exactly how much to pay down to reach a target utilization percentage.
Worked example
$2,000 balance on a $10,000 total limit
Result: 20% utilization, already under the 30% target
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