US Credit Utilization Calculator
Combine reported revolving balances and limits across up to four cards. Compare aggregate utilization with each card, without predicting a credit score.
Rule year: 2026 · USD · Sources checked
Combined reported utilization
Use balances and limits from the same intended reporting snapshot. No score forecast, bureau-specific treatment, authorized-user exclusion, statement timing or loan utilization is inferred. Ratios above 100% remain visible for reported over-limit balances. The target is user-chosen, not a universal scoring cutoff.
Reported card-by-card utilization
Statement/reporting balances may differ from current balances. Authorized-user treatment, reporting dates and score models are not simulated.
| Card | Reported balance | Reported limit | Utilization |
|---|---|---|---|
| Card 1 | $2,000.00 | $10,000.00 | 20% |
| Card 2 | $1,000.00 | $5,000.00 | 20% |
For informational purposes only. This estimate is not financial advice, a tax return, a payroll calculation or a lender decision. See the supported circumstances and exclusions below.
How this calculator works
Aggregate utilization is the sum of included reported revolving balances divided by the sum of their limits. It is not an average of the individual percentages. A large low-utilization card can lower the aggregate while another card remains heavily used, so the table shows both views. Reducing reported balances can change the ratio, but the relationship with a credit score depends on the model and the full credit file.
Formula and rules
Aggregate utilization = total reported balance / total reported limit × 100. Target reduction = max(0, balance − total limit × chosen target / 100).
Assumptions and limitations
Use balances and limits from the same intended reporting snapshot. No score forecast, bureau-specific treatment, authorized-user exclusion, statement timing or loan utilization is inferred. Ratios above 100% remain visible for reported over-limit balances. The target is user-chosen, not a universal scoring cutoff.
Worked example
Balances of $2,000/$10,000 and $1,000/$5,000 produce $3,000/$15,000 = 20% total utilization. A 10% target would require reducing aggregate reported balances by $1,500.
- Combined reported utilization
- 20%
- Total reported balances
- $3,000.00
- Total reported credit limits
- $15,000.00
- Balance reduction to entered aggregate target
- $0.00
Official sources and review
Reviewed against the sources below on 2026-10-07. Rates are held in versioned rule modules. Versioned rules, official source review and year-specific calculation tests.
- CFPB: credit-card line decreases and utilization ↗
Reported balances and limits affect aggregate and individual utilization; no score conversion supplied.
Common questions
Is the total an average of card percentages?
No. Limits weight the result through summed balances divided by summed limits. The table keeps individual ratios visible.
Will reaching a particular target guarantee a score?
No. Scoring models use many facts and may consider both total and individual utilization. This tool predicts no score.
Which balance should I enter?
For a reporting estimate, use the balance expected or shown on the credit report, which may differ from today’s account balance.