Credit Utilization Calculator

See how much of your available credit you're using — per card and overall — and exactly how much to pay down to reach a healthier number. Free, no signup.

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Most guidance suggests keeping utilization under 30%, and under 10% is even better. Enter your cards above to see where you stand.

What is credit utilization?

Credit utilization is the share of your available revolving credit (like credit cards) that you're currently using. If you have a $1,000 limit and a $300 balance, your utilization is 30%.

It's one of the biggest factors in most credit scores — second only to payment history. Lenders tend to see lower utilization as a sign you're not overextended.

Under 30% is a common rule of thumb; under 10% is stronger.
Both your per-card and your overall utilization can matter.
Paying down a balance before your statement closes can lower the number that gets reported.
Keeping old cards open (even unused) raises your total available credit, which can lower utilization.

This tool is educational and shows math only. It does not pull your credit, predict a specific score, or guarantee any outcome.

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Subefy is a financial education and credit-building platform — not a credit repair organization promising results, a lender, or a credit bureau. Educational content and tools are provided for general information and are not financial, legal, or tax advice.