Credit Utilization Calculator

Find your credit utilization ratio.

Utilization (%) 30

Formula: utilization = balances ÷ limit × 100

Step-by-step with your numbers:

1. Values used:

2. Total balances = 3,000 $

3. Total credit limit = 10,000 $

5. Utilization = 30%

Did we solve your problem today?

Credit utilization is how much of your available credit you're using — a big credit-score factor.

The math behind it

utilization = total balances ÷ total credit limit × 100. Keeping it under 30% is widely advised.

$3,000 ÷ $10,000 → 30%.

Lower better?

Generally yes — under 10% is ideal for scores.