Credit Card Utilization Ratio Calculator

The credit card utilization calculator on Myfin is a convenient tool which calculates your total balance, total credit limit and the usage of your credit limit. It also gives pieces of advice on what is a good credit utilization ratio for you (no matter if you have a credit limit of $300, $500 or more than $1000) using the credit card 30% rule.

Card 1
Credit card balance
$
Credit card limit
$
Card 2
Credit card balance
$
Credit card limit
$
Add a card
Calculate
Reset
Your Results
10%30%50%75%100%
Good

Good! You are standing in the safe range of 30% and below, but try not to cross the 30% threshold. Paying your balance on time may also help your credit score.

Outstanding balance
$3 000
card 1 $1 500
card 2 $1 500
Total credit
$10 000
card 1 $5 000
card 2 $5 000
Remaining credit
$7 000
card 1 $3 500
card 2 $3 500
Credit utilization
30%
card 1 30%
card 2 30%

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*Utilization ratio formula: Current Balance / Credit Limit.