Use our credit utilization ratio calculator to determine the percentage of available credit you are using. You can add up to five credit lines, their balances, and credit limits to calculate your total credit utilization.

Your credit utilization ratio is an important factor in determining your credit score. It’s worth about 30% of your credit score in some scoring models. You can improve your credit utilization by using less than 30% of your credit limit on all credit cards.

Learn more about credit utilization and how to improve it.

How Is Credit Utilization Ratio Calculated?

To calculate your credit utilization ratio use this simple formula: Divide your total debt on revolving credit by your total available credit limit on your revolving accounts. 

Total Debt / Total Credit = Credit Utilization Ratio

How to calculate credit card utilization