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Debt-to-Limit Ratio Calculator

Calculate your credit utilization ratio to optimize your FICO score

Credit Score
FICO Optimizer
Multiple Cards
Free Tool

Set your target utilization ratio to see how much you need to pay down or how much you can spend.

Credit Cards

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About This Tool

The Debt-to-Limit Ratio Calculator helps you track your credit utilization across all your credit cards. Credit utilization is a critical factor in your FICO credit score, accounting for approximately 30% of your total score.

How it works: The calculator divides your total credit card balance by your total credit limit and multiplies by 100 to get a percentage. Both individual card ratios and your overall utilization are displayed.

Best practices: Keep your utilization below 30% (below 10% is even better). This tool helps you track multiple cards, see payment targets, and maintain optimal credit health.

Privacy: All calculations are performed in your browser. Your financial information is never sent to any server. History is stored locally and only accessible by you.

Advanced Features:

  • Track unlimited credit cards simultaneously
  • View individual card utilization and overall ratio
  • Calculate exact payment needed to reach target ratio
  • See how much you can spend while staying within target
  • Save and compare calculations over time
  • Get personalized recommendations based on your utilization

Frequently Asked Questions (FAQ)

What is debt-to-limit ratio (credit utilization)?
Debt-to-limit ratio, also known as credit utilization, is the percentage of your available credit that you are currently using. It is calculated by dividing your total credit card balance by your total credit limit and multiplying by 100.
Why is credit utilization important for my credit score?
Credit utilization is one of the most important factors in your FICO score, accounting for about 30% of your total score. Keeping your utilization below 30% is generally recommended, with lower percentages (under 10%) being even better for your credit health.
Should I calculate utilization per card or overall?
Both matter! Credit scoring models look at both your overall utilization across all cards and your per-card utilization. This calculator shows both metrics so you can optimize each card individually and your overall credit profile.
How can I lower my debt-to-limit ratio?
You can lower your ratio by: 1) Paying down existing balances, 2) Requesting credit limit increases (without increasing spending), 3) Keeping old accounts open to maintain available credit, or 4) Spreading balances across multiple cards instead of maxing one out.
Is my data stored or sent to a server?
No. All calculations happen directly in your browser. Your credit card information is never sent to any server. History is stored locally in your browser and only you can access it.
What is a good debt-to-limit ratio?
Below 30% is generally considered good, below 10% is excellent. However, having a 0% utilization (no balance) is not ideal either - showing some usage (1-9%) demonstrates you actively use credit responsibly.