Calculator

Credit Utilization Calculator

See what share of your available credit you're currently using — one of the biggest factors in a credit score.

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Total balances owed (all revolving accounts)

Total credit limit (all revolving accounts)

Credit utilization

20.0%

Good (rule of thumb)

Balances owed

$2,000.00

Available credit

$10,000.00

How the math works

$2,000.00 owed against $10,000.00 of available credit is 20.0% utilization. A commonly cited rule of thumb is to stay under roughly 30%, with lower generally considered better still — not because using credit is bad, but because consistently using a large share of your available credit is statistically associated with a higher risk of missed payments.