Credit Utilization
See how much of your available credit you are using across your accounts.
Summary Metrics
Credit Accounts
01 How the Analysis Works
Credit utilization compares the amount you owe with the credit available to you.
For each account, the calculator divides the Amount Owed by the Credit Limit and expresses the result as a percentage.
Your Overall Utilization combines all of the accounts by dividing total balances by total available credit.
The calculator then places each result into one of four utilization ranges so you can quickly identify accounts that may deserve closer attention.
Utilization Guide
Look Beyond the Total
Overall utilization can look reasonable while an individual account is carrying a much higher percentage.
Watch Your Highest Accounts
Review accounts with the highest utilization first when deciding where additional attention may be useful.
Recheck Regularly
Your utilization changes as balances and credit limits change, so the result is a snapshot rather than a permanent measure.