Add each credit card's limit and current balance to see your utilization ratio per card and across all cards combined — one of the biggest factors in your credit score.
Calculated on your device. Nothing is uploaded or stored on a server.
For each credit card, enter a name (optional), its credit limit, and the current statement balance. Add as many cards as you have with the button below the list. Your per-card and overall utilization update instantly.
Credit utilization is the percentage of your available revolving credit that you're currently using. It's calculated as total balances divided by total limits, and it's one of the most heavily weighted factors in most credit scoring models, second only to payment history.
Most guidance suggests keeping overall utilization below 30%, with even better results below 10%.
Some scoring models also look at your highest individual card ratio, so maxing out one card can hurt even if your overall ratio looks fine.
Common questions, answered.
Add up the balances on all your revolving credit cards, add up their credit limits, then divide total balances by total limits and multiply by 100 to get a percentage.
Many experts recommend staying under 30% overall, with under 10% considered excellent for people optimizing their credit score.
No. Everything is calculated locally in your browser and nothing is saved or sent anywhere.
Usually not. Closing a card reduces your total available limit, which can raise your utilization ratio and shorten your credit history. Paying down balances is generally a better move.