Credit Utilization Ratio Calculator
What Is the Credit Utilization Ratio?
Your credit utilization ratio measures how much of your available credit you’re using—and it’s one of the most important factors in your credit score. Lenders use this percentage to assess how responsibly you manage revolving credit, like credit cards. Keeping this ratio low can help boost your score and show you’re in control of your debt.
Why Use a Credit Utilization Calculator?
This free tool helps you instantly calculate your credit utilization ratio, so you can make smarter decisions about your credit card spending. Whether you’re planning to apply for a loan, raise your credit limit, or just improve your financial health, this calculator gives you clarity and confidence.
Credit Utilization Ratio Calculator
How to Use This Calculator
Simply enter your total credit card balance and your total credit limit. The calculator will show your current credit utilization ratio as a percentage. A good rule of thumb is to keep your ratio under 30%, and ideally under 10%, for the best impact on your credit score.
Tips to Improve Your Ratio
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