Credit Utilization Calculator

Credit utilization is the share of your available credit you are currently using, and it is read two ways: on each card separately and across every card together. Enter the balance and the limit for up to five cards and you get the ratio for each one next to the overall figure. A second mode takes one card and a target percentage, then tells you how far that balance has to come down. These figures are only a snapshot of the numbers you type, not a credit score, which depends on far more than this one ratio.