What is a good credit card utilization ratio?

Financial experts and FICO recommend keeping total credit utilization below 30%, with under 10% delivering the best score optimization.

Does utilization calculate per card or overall?

FICO and VantageScore scoring models evaluate both individual card utilization and overall aggregate utilization across all revolving accounts.

FICO & Credit Score Tool

Credit Utilization Calculator 2026

Calculate your revolving credit card utilization ratio and learn how lowering balances boosts your credit score.

Revolving Card Accounts

Credit Card #124% Utilized

Balance ($)

Credit Limit ($)

Credit Card #230% Utilized

Balance ($)

Credit Limit ($)

Credit Card #317% Utilized

Balance ($)

Credit Limit ($)

Overall Utilization Ratio

Total Revolving Utilization

25.6%

Rating: Good

Standard recommended range (under 30%). Does not actively harm your credit rating.

Total Balance Owed:$4,100

Total Credit Limit:$16,000

Available Credit Remaining:$11,900

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Why Credit Utilization Accounts for 30% of Your FICO Score

Amounts owed (credit utilization) is the second largest factor determining your FICO credit score, weighted at 30% just behind on-time payment history (35%). Lowering your utilization below 10% is the fastest way to add 20 to 50 points to your score within a single billing cycle.

For independent consumer credit education, see the Consumer Financial Protection Bureau (CFPB). Explore related tools: Credit Score Calculator, Credit Card Payoff Calculator, and Debt-to-Income Calculator.

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