Credit Utilization Calculator
Calculate credit utilization and see how much you would need to pay down to reach common utilization targets. Estimates are for planning—not a credit offer or financial advice.
Your numbers
Your estimate
50.0%
current utilization
Pay down to 30%$2,000
Pay down to 10%$4,000
Pay down to 1%$4,900
Utilization is calculated from balances and limits reported at a point in time; lenders and scoring models can use different information.