đź’ł How to Use the Credit Card Utilization Calculator
Want to know how much of your credit you're using and how it impacts your credit score? Follow these simple steps:
Enter the balance and credit limit for each of your credit cards.
Click “+ Add Another Card” if you have more than one.
Click “Calculate Utilization” to see your total usage percentage.
The calculator instantly shows your credit utilization ratio, along with how much you may need to pay down to reach the recommended 30% or lower. This is one of the fastest ways to boost your credit score—especially when trying to qualify for an apartment or rebuild after financial setbacks.