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Credit utilization calculator
How much of your available credit you are using — overall and card by card — and exactly what it would take to get under the thresholds that matter.
Your utilization
Amounts owed is roughly 30% of a FICO score, and utilization is the biggest part of it. Unlike payment history, this one resets every statement — it is the fastest lever you have.
Overall utilization
25.0%
$2,000 owed against $8,000 of available credit.
Where that sitsGood
0.0%100.0%
To get under
30% — the usual advicealready there
10% — where the best scores sit$1,200
Card by card
Visa24%
Mastercard27%
Utilization updates when your statement posts, so paying down before the statement date is what moves the number. More on raising a score.