Step-by-step instructions
- Enter or select Credit card balances.
- Enter or select Total credit limits.
- Tap Calculate.
- Review the result shown directly below the calculator.
Credit Utilization Calculator
Calculate revolving credit utilization percentage.
How to use the Credit Utilization Calculator
Calculate revolving credit utilization percentage.
What the inputs mean
- Credit card balances
- Enter the value requested by this field label.
- Total credit limits
- Enter the full amount, target, goal, or capacity used as the comparison value.
Formula or calculation method
Credit card balances is divided by Total credit limits and the result is multiplied by 100 to express the relationship as a percentage.
Example
For example, if Credit card balances is 25 and Total credit limits is 100, the calculated result is 25%.
How to understand the result
The result is a percentage. A higher or lower percentage has different meaning depending on the calculator, so compare it with the goal, limit, benchmark, or historical value relevant to your situation.
Tip: Keep all values in compatible units and use values from the same time period when the calculator compares two amounts.