Credit education · Interactive calculator
Credit utilization
See how reported balances compare with available revolving credit. Use the same currency for every amount.
Overall utilization
Reported balance
Total credit limit
How this estimate works
Total balances ÷ total limits × 100. Individual card ratios are not averaged. Use revolving accounts with a known limit; this does not model mortgages, installment loans or no-preset-limit cards.
30% is a common reference point, not a score guarantee or universal cutoff. Reports can show different balances from today's accounts. Read more at Experian.
Example numbers are fictional. Entries stay in this calculator; nothing is saved or submitted.