Credit Utilization Calculator

Credit utilization is the share of your revolving credit limits that you are using. It is part of the amounts owed category, which makes up about 30 percent of a FICO score. Lower is better: many experts suggest staying under 30 percent, and under 10 percent is better.

Enter the balance and limit for each credit card to see your utilization per card and overall. Scoring models look at both. Paying balances down before the statement closing date is one common way to lower the number that gets reported. Your numbers stay in your browser.