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Credit Utilization Calculator
Calculate credit card utilization and its impact on your credit score
Credit Utilization Calculator
Your Credit Cards
Utilization: 50.0%
Utilization: 10.0%
Overall Utilization
23.3%
Very Good
Total Balance
$3,500
Across all cards
Total Credit Limit
$15,000
Available credit
Recommended Balance
$4,500
For 30% utilization
Credit Score Impact
Positive - helps credit score
Per-Card Analysis
| Card | Balance | Limit | Utilization | Status |
|---|---|---|---|---|
| Card 1 | $2,500 | $5,000 | 50.0% | Good |
| Card 2 | $1,000 | $10,000 | 10.0% | Excellent |
Utilization Guidelines
- Under 10%: Excellent - Maximizes credit score
- 10-30%: Good - Positive impact on score
- 30-50%: Fair - Some negative impact
- Over 50%: Poor - Significant score damage