Credit Utilization Calculator

Enter each card's statement balance and credit limit. The tool outputs every individual ratio plus the aggregate — and flags any card above common thresholds. A maxed individual card hurts even when aggregate utilization looks fine, which is why both views matter.

Scenario mode answers the questions that matter: 'If I pay $800 on this card, where does each ratio land?' and 'If that old card closes, what happens to the denominator?' Since closing a card shrinks total limits, the calculator shows immediately why closures can raise utilization without any new spending.

• Use statement-closing balances as inputs — that is what bureaus see, not today's balance.
• Fix per-card outliers first: one 90% card drags harder than the aggregate suggests.
• Model the limit increase before requesting it — check whether the issuer uses a soft pull.
• Before closing any card, compute utilization with that limit removed from the denominator.
• Recheck ratios after every large purchase, limit change, or account closure.

CFPB consumer guidance names utilization as a primary scoring factor and advises keeping balances low relative to limits — the exact ratio this tool computes. FTC credit-education materials confirm that consumers should know both their limits and reported balances when evaluating score impacts.

Funditia's calculator performs standard ratio arithmetic for education; scoring models weigh utilization differently across versions, and no ratio guarantees a specific score.

Educational references: Consumer Financial Protection Bureau (consumerfinance.gov) and Federal Trade Commission (consumer.ftc.gov). Funditia is an independent educational publication and is not a credit card issuer, lender, or credit repair organization.