Credit utilization calculator
Credit utilization — how much of your available revolving credit you’re using — is one of the most influential score factors you can change quickly. Enter your balances and limits to see where you stand.
Enter each revolving account (credit card or line of credit). Nothing you type here is stored or sent anywhere.
How utilization works, briefly
Scoring models look at your reported balances relative to your credit limits, both per card and overall. Lower is generally better, and — unlike late payments — utilization has no memory in most scoring models: when lower balances report, the factor updates. That makes it a practical early lever when you’re rebuilding. For the full picture, see the credit utilization guide.
More tools coming
In quality order: a debt validation deadline estimator, a debt lawsuit urgency triage, and a bankruptcy document checklist builder. Each will be educational only — no tool on this site will ever tell you what you “should” file or sign.
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.