Credit Utilization Calculator
Measure revolving utilization and find the balance needed to reach a chosen reporting target.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Plan a reported utilization target
Your projection
21% current utilization
Target reported balance
$2,000
Pay down before reporting
$2,200
Available revolving credit
$15,800
Utilization is one scoring factor, not a guarantee of a score change. Pay statement balances in full when possible; never carry interest just to build credit.
About this tool
Method, assumptions, practical next steps, and limits.
Reported balance matters
Credit utilization is usually based on the balance an issuer reports, not necessarily the balance after your latest payment.
Calculation method
Total reported balances are divided by total limits. The target payment is the amount needed to bring that aggregate ratio down.
Do not pay interest for a score
Carrying a balance is not required to build credit. Paying statement balances in full can avoid interest while still showing use.
