Financial Tools

Credit Utilization Calculator

How much of your available credit you are using, per card and overall. Utilization is the second-largest factor in most credit scores.
Your Cards
Card 1
Remove
Name
Balance
Credit Limit
Card 2
Remove
Name
Balance
Credit Limit
Card 3
Remove
Name
Balance
Credit Limit
+ Add card

Values shown are examples. Under 30% overall is the common guideline, scores tend to peak under 10%.

See your full report
Utilization
Overall Utilization 0%
Where It Lands n/a
Total Balances $0
Total Limits $0
Highest Card n/a
To Get Under 30% n/a
To Get Under 10% n/a
Per Card
CardBalanceLimitUsed
Save as PDF Copy link Save this version

Everything here stays in your browser. The link carries your inputs inside the address itself, and the PDF is made by your own device.

For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.

Utilization moves with your limits.

Compare cards on published APR, fees and rewards, and see what people report being approved for.

Compare credit cards
Most Used Calculators
Expense Calculator
Track and accurately estimate your regular spending habits.
Income Tax Estimator
Estimate how much tax you may need to pay this year.
Net Income Calculator
Calculate your take-home income after deductions.
Loan Calculator
Estimate your monthly payments and total interest on a loan.
EMI Calculator
Calculate your equated monthly installment quickly and accurately.
Interest Rate Calculator
Determine interest rates based on your loan terms and payments.
Loan Term Calculator
Determine how long it will take to repay your loan.
Personal Loan Calculator
Plan your personal loan with accurate payment estimates.
Business Loan Calculator
Estimate repayments for your business financing needs.
Compound Interest Calculator
See how your loan or investment grows with compounding.
Simple Interest Calculator
Calculate interest based on a fixed rate over time.
Business Tools
Product Pricing Calculator
The price that leaves the margin you want after marketplace and card fees.
Payment Fee Calculator
Compare two card rates on the effective rate at your own ticket size.
Employee Cost Calculator
What a hire really costs once payroll taxes, insurance and benefits are in.
Burn Rate and Runway
How many months of cash are left when revenue and costs are both moving.
Freelance Rate Calculator
The hourly rate that leaves the take home pay you actually want.
CAC and LTV Calculator
What a customer costs to win against what they are worth over their life.
Business Valuation Calculator
Sellers discretionary earnings and the range a buyer would pay.
Inventory Reorder Calculator
How many units to order and the stock level that triggers the order.
See all calculators

How to read these numbers

Estimates, not offers. This tool applies standard formulas to the values you enter. It assumes a fixed rate, equal payments, no missed payments and no fees unless you enter one, and it ignores taxes, insurance and provider specific compounding. A result here is for comparison and is not a quote, a pre-approval or an offer of credit.

Nothing you type is an application. Using this tool causes no credit inquiry of any kind and creates no obligation.

Rates, fees and terms shown elsewhere on this site are read from the provider's own published page and carry the date they were checked. Providers change them without notice and the provider's own disclosure governs. The full method, and how to report a wrong number.

Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.

Get Your Full Report

We will save this calculation to your Banrox record so you can pick it up later.

Success!

Your calculation has been saved.