Personal Loan Origination Fee Calculator
Credit utilization is one of the biggest factors in your credit score. Enter your total balances and credit limits below to see where you stand.
Credit Utilization Ratio
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About this calculator
Calculate your credit utilization ratio across all revolving credit accounts to see how it may affect your credit score.
Frequently Asked Questions
What is a good credit utilization ratio?
Most experts recommend keeping your utilization below 30%, with under 10% considered excellent for maximizing your credit score.
Does utilization reset each month?
Utilization is typically calculated from your statement balance each billing cycle, so paying down balances before the statement closes can lower it.
Should I include all credit cards?
Yes, lenders generally look at your aggregate utilization across all revolving accounts, as well as per-card utilization.