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Credit utilization calculator
See balances as a share of available credit.
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Common questions
How is credit utilization calculated?
Divide the reported balance by the credit limit and multiply by 100 to get a percentage.
Can I compare a different balance?
Yes. Change the balance or credit limit and recalculate to see the resulting percentage.
Calculate a utilization percentage
A $500 reported balance on a $2,000 credit limit is $500 ÷ $2,000 × 100 = 25% utilization. If the balance changes, enter the new amount to compare.