Tool
Credit utilization calculator
Balance ÷ limit for each card and across all of them, with the commonly cited 30% level marked. Nothing you type is stored or sent anywhere.
About these numbers
- Educational calculation — not credit or financial advice, and not a credit score (no bureau data is involved).
- The 30% mark is a commonly cited reference level, not a rule; scoring models weigh utilization in ways this page doesn't model.
Keep it updated automatically
Forth Arc puts your accounts, liabilities, and goals on one live balance sheet — with the same math engines behind this calculator — free.
Create a free accountWhat counts as utilization?
Utilization is your reported card balance divided by its credit limit, per card and across all revolving accounts. Statement balances are what typically gets reported, so the ratio can differ from what you see mid-cycle.
Is my data stored?
No. Nothing you type is sent to or stored on our servers.
Common questions
What is credit utilization?
The share of your available revolving credit you are currently using — a card's balance divided by its limit, and across all cards, total balances divided by total limits.
Why show both per-card and overall utilization?
Credit-scoring models reference both: a single maxed-out card can matter even when overall utilization is low, and vice versa. This page computes each card and the combined figure.
What does the 30% line mean?
30% is a commonly cited reference level in consumer-credit education. It is marked here as a factual reference point, not a rule or a judgment of your usage.