How credit utilization calculator works
Credit utilization is the share of your revolving credit you are using: balance divided by limit, computed per card and across all cards. If one card carries 300 on a 1,000 limit (30%) and another carries nothing on a 5,000 limit, your overall utilization is 300 ÷ 6,000 = 5% — even though one card sits at 30%. Scoring models look at both numbers, which is why the tool reports each card and the aggregate side by side.
The conventional reading: under 10% overall is the zone where scores benefit most, under 30% is the widely quoted ceiling, 30–49% starts to weigh on scores, and above 50%–75% utilization is where damage compounds. These bands are rules of thumb distilled from how scoring models treat "amounts owed", not exact score predictors — but the direction is consistent: lower reads better, and a card maxed to its limit hurts even when overall usage is modest.
Enter each card's name, balance, and limit; the tool returns per-card percentages with their bands, your overall percentage, the highest-utilization card, and two practical paydown targets: the dollar amount that would bring you to exactly 30% overall, and the amount for 10%. If the paydown shows zero, you are already inside that band — which is worth knowing before you spend hours shuffling money around.