Optimize Your Credit Utilization
Take control of your credit score with our advanced credit utilization calculator.
- Calculate optimal credit utilization across multiple cards
- Get personalized payment strategies and recommendations
- Visualize your path to optimal credit utilization
Credit utilization accounts for 30% of your FICO® Score. Keeping it under 30% is recommended, but lower is better!
Calculate and optimize your credit utilization for maximum credit score impact. Get personalized recommendations and track your progress over time.
Credit Utilization Impact
Credit utilization makes up 30% of your credit score. Keep both individual card and overall utilization low for the best impact. Learn more about how utilization affects your credit score in our detailed guide.
Utilization Analysis
Card Details
Optimization Strategy
Utilization Impact
Payment Timeline
Credit Utilization Tips
Statement Timing
Pay your balance before the statement closing date to report lower utilization.
Multiple Payments
Make multiple payments throughout the month to keep utilization consistently low.
Credit Limit
Request credit limit increases to lower your utilization ratio.