The ratio
Utilization compares how much of your available credit you are using: balance ÷ limit × 100.
Utilization Calculator
Enter a balance and credit limit to see an educational utilization calculation.
Tip: use the balance shown on your most recent statement. That is usually the amount reported to the credit bureaus.
Educational tool only. This calculator shows a utilization percentage. It does not predict or estimate any credit score. Scoring models weigh many factors, and results vary by consumer.
How It Works
Utilization compares how much of your available credit you are using: balance ÷ limit × 100.
Card issuers often report your statement balance, so timing your payments can change the reported ratio.
Utilization is one factor among many. This tool does not predict or estimate a credit score.
The Fresh Start Program combines these tools with education and a step-by-step roadmap.