Credit Utilization Calculator
Credit utilization is the percentage of your available credit that you're using. It's one of the biggest factors in your credit score.
Your Credit Cards
$
$
Card Utilization:25.0%
Overall Credit Utilization
25.0%
Good. Your utilization is within the recommended range.
Total Balance
$2,500
Total Credit
$10,000
Credit Utilization Zones
0-10%
10-30%
30-50%
50-75%
75%+
Excellent
Best for score
Good
Recommended
Fair
Could improve
High
May hurt score
Very High
Hurts score
Track Your Credit Automatically
Upload your credit card statements and Adphex will track your utilization, spending patterns, and help you optimize your credit.