60-second tool · No signup
See how much of your credit you’re using.
Calculate your per-card and total credit utilization, see what balance may actually get reported, and find out how much to pay down to reach lower utilization targets. Credit utilization is generally calculated by dividing revolving balances by revolving credit limits.
Step 1 · How many revolving accounts do you want to include?
How this calculator works
Your balance on a single card divided by that card's credit limit.
All included revolving balances divided by total included limits.
Issuers and scoring models look at both your overall ratio and any single high card.
Issuers usually report the balance on your statement closing date — that's what shows on your credit report.
Your live balance can differ from what's reported depending on when payments post.
Use the numbers as direction. Real score changes depend on your full credit profile.
FAQ
This is an estimate for education only — not financial, legal, or tax advice. Your actual payments, interest, fees, and payoff dates depend on your issuer's terms, new charges, and any late or returned payments.
Calculations use simplified assumptions (for example, fixed APRs and no new spending). Real-world results may differ.
Use these numbers as guidance — not as a promise of approval, a specific score change, or a guaranteed payoff date. Always confirm the details with your card agreement or a qualified professional before acting.
Use the numbers here as guidance for what to pay down before a statement closes — not as a promise of a specific score outcome. Reporting timing varies by issuer and bureau.