Credit FactorCredit Utilization Calculator
Credit utilization is the second most important factor in your credit score. Enter your card details below to see your utilization instantly.
Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates and may not reflect your actual situation. Your inputs stay in your browser and are not stored or transmitted.
$1,500 used / $3,500 available30.0%
Overall Credit Utilization
30.0%
Good
$1,500 of $5,000 total credit used
Good. Most lenders consider utilization under 30% acceptable. Aim for under 10% for the highest scores.
Experts suggest keeping utilization below 30%. Below 10% is ideal for the highest scores. (Source: CFPB)
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