Credit Utilization Calculator
Updated on 22 Oct 2026 · Checked by Aotob
You are using 25% of your available credit.
$2,000 of $8,000. Lenders like to see under 30%, and the best scores usually have under 10%.
Credit utilisation
25%Good
Under 30% is good; under 10% is best. Keep old cards open so your total limit stays high.
Show the working
2,000 ÷ 8,000 = 25%
Each card
| Card | Balance | Limit | Used |
|---|---|---|---|
| 1 | 1,200 | 5,000 | 24% |
| 2 | 800 | 3,000 | 27% |
Questions people ask
What is credit utilisation?
Your card balances divided by your credit limits. It is one of the biggest parts of US credit scores and matters in the UK, Canada and Australia too.
What is a good number?
Under 30% is good; people with the best scores usually use under 10%.
When is it measured?
Usually from the balance on your statement. Paying down before the statement date lowers it even if you clear the card in full each month.
Updated 22 Oct 2026Source: Standard financial maths (time value of money)Checked by AotobScoring models differ by bureau and country. Not financial advice.Report an issue