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Credit Card Utilization Calculator

Animated calculatorDid you know that 30% of your credit score is based on a ratio between the amount that is owed on your credit cards and the credit limit on the credit card? The utilization formula plays a big role in determining your credit score. This credit utilization calculator will estimate the utilization percentage and will determine the amount that exceeds 30%.

  Balance Total Total Credit Card Limit Average Credit Utilization Percentage   Credit Reduction Target
   
         
  Current Balance Credit Card Limit Credit Utilization Percentage Result Reduction
(if applicable)