Credit Utilization Calculator
Your card balance to limit ratio.
FICO benchmark bands
- < 10% — best for credit score
- 10–30% — good, the standard target
- 30–50% — fair, will start hurting score
- 50%+ — high, significant negative impact
FICO looks at both overall and per-card. Maxing out one card with the others empty still drops your score even if total is low.
Credit utilization is roughly 30% of your FICO score. The biggest one-month boost most people can give themselves is paying balances down before the statement date (when it gets reported), not after.
About
Add each credit card with its balance and credit limit. Get overall utilization plus per-card utilization, with the FICO benchmark bands. Utilization is roughly 30% of your credit score; under 10% is ideal, under 30% is good, above 50% noticeably hurts.
How to use
- Add each credit card.
- Enter balance and limit.
- Read overall utilization.
FAQ
When does the balance get reported?+
Most issuers report on the statement date, not the due date. To minimize what shows on your credit report, pay the balance down before the statement closes, not by the due date.
Should I close unused cards?+
Probably not. Closing a card cuts your total credit limit, which raises overall utilization. Older cards also lengthen credit history. Better to keep them open with one small recurring charge.