Does credit utilization look at individual cards or total limit?

FICO algorithms evaluate both: your overall aggregate utilization ratio across all cards AND your highest individual card utilization ratio.

Updated: August 2026 • Verified v1.2

Credit Card Utilization Ratio & Score Tier Calculator

Q: What is a good credit utilization ratio?

Under 30% is generally considered good by lenders, but keeping utilization under 10% provides the highest boost to FICO credit scores.

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Credit Utilization = (Total_Revolving_Balances / Total_Credit_Limits) * 100

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Understanding Your Results

Calculates overall revolving utilization %, individual card utilization ratios, credit score health tier (Optimal, Good, Fair, High Risk), and required dollar paydown.

Practical Guidance & Next Steps

Credit scoring models (FICO & VantageScore) consider 30% utilization the maximum recommended threshold, with <10% providing optimal score boost.

What is this?

A personal credit utility that calculates revolving credit utilization percentages and targets paydowns for credit score optimization.

How does it work?

1. Enter balances and limits for each credit card. 2. View aggregate utilization % and credit health tier ranking. 3. See exact dollar amounts needed to reach optimal <10% or <30% tiers.