Credit utilization calculator
See overall revolving utilization and educational score-impact bands.
Enter revolving balances and credit limits. This is educational, not a score prediction.
Your utilization
25%
Band: 10-30%
At or under 30% is a common educational target many lenders watch on revolving accounts.
Educational estimates only. Not credit repair advice, not a guarantee of score changes or loan approval. Results vary; we are not a lender or law firm.