Credit Utilization Calculator
Enter each card’s balance and credit limit. We add them up and show your overall utilization and available credit across those cards.
Your credit utilization ratio
0.00%
Total balance
$ 0.00
Total credit limit
$ 0.00
Available credit
$ 0.00
Cards entered
0
How to Use This Calculator
- For each card, enter the current balance and its credit limit.
- Click Add another card if you want to combine several cards into one overall utilization %.
- Click Calculate to see overall utilization (with a % sign), available credit (in dollars), combined totals, and charts for total limit split and each card’s utilization.
Frequently Asked Questions
Is this the same as per-card utilization?
No. This page shows aggregate utilization: total balances divided by total limits across the cards you entered.
Do closed cards count?
Only include cards you want in the calculation. Closed cards with zero limit should not be added.
