// credit utilization
Calculate your utilization
Enter each card's balance and credit limit. Your utilization ratio — the percentage of available credit you're using — is one of the biggest factors in your credit score (up to 30% of FICO).
| Card / Account | Balance ($) | Limit ($) | Utilization | — |
|---|
// overall utilization
—
0%30%50%100%
// totals
| Total balance | $0 |
| Total limit | $0 |
| Available credit | $0 |
| Cards tracked | 0 |
Score impact assessment
Enter your card details above to see your score impact.
Utilization tiers
| Tier | Range | Impact |
|---|---|---|
| Excellent | 1% – 9% | Optimal — shows active, responsible credit use |
| Good | 10% – 29% | Healthy — minimal score impact |
| Fair | 30% – 49% | Moderate — may cost 10–30 points |
| Poor | 50% – 74% | High — can cost 30–60+ points |
| Critical | 75%+ or maxed | Severe — can cost 60–100+ points |