Credit Utilization Calculator

Your credit utilization ratio is the amount you owe across your credit cards (and other revolving credit lines) compared to your total available credit, expressed as a percentage. In the FICO scoring model, this accounts for 30% of your overall credit score. Our calculator will tell you what your ratio is.

Your credit utilization ratio is the amount you owe across your credit cards compared to your total credit line available, expressed as a percentage. In the FICO scoring model, this accounts for 30% of your overall credit score. Our calculator will tell you what your ratio is.

What is your credit utilization ratio?

Your credit utilization ratio is a percentage that shows how much of your available credit you’re currently using. This is typically measured for each of your credit cards and across your total revolving credit lines.