Credit utilization across cards: balances divided by limits, overall and per card.
overall credit utilization
How to use this tool
Type balance and credit limit.
Add a second card; enter $0 balance for one card only.
In Advanced options, see utilization after a new purchase.
One maxed card matters even if the total looks fine.
Formula & worked example
Worked example: Card 1 $2,000 / $5,000 = 40%. Card 2 $1,000 / $5,000 = 20%. Overall ($2,000 + $1,000) / ($5,000 + $5,000) = $3,000 / $10,000 = 30%.
Limitations — read this before you rely on it
Utilization is one scoring factor among many, and scoring models and reporting dates differ. Balances are usually reported monthly, so paying before the statement date can change the reported figure. This is not credit advice.
Frequently asked questions
The share of your available credit that you are using. Lower utilization generally signals lower risk to lenders.
Below 30% is a common guide; below 10% is often better. Zero is fine too, though some activity can help a file stay active.
No. This is a calculator from the numbers you enter. Tax, legal and investment decisions depend on your full circumstances, so check with a qualified professional for real decisions.
As accurate as the inputs and the stated formula. It is a model with simplifications listed in the limitations; try a range of inputs rather than trusting one figure.
Yes for the maths, which is currency-neutral unless a jurisdiction is stated. Tax rules, thresholds and market conventions differ by country, so check local rules where they matter.