Credit Utilization Calculator
Calculate your credit card utilization ratio, which affects your credit score, and how much to pay down to get under 30% or 10%.
Result
Credit utilization
25%
- What it means
- Good: under 30%
- Pay down to reach 30%
- $0.00
- Pay down to reach 10%
- $1,500.00
- Available credit
- $7,500.00
Common questions
What credit utilization is best?
Under 30% is the usual advice, and people with the highest scores tend to stay under 10%. Utilization is about 30% of a FICO score.