Credit utilization calculator

Balance on the statement

For several cards, add the balances together.

Credit limit

For several cards, add the limits together.

Share you want to be at

Your own choice. The 30% here is an example, not a rule.

Share of the limit in use

50.0%

$1,500 of a $3,000 limit

Balance at 30%: $900
To pay to get there: $600

This is a division and nothing more. It does not know your credit score and cannot say what any change would do to it: scoring models are not published in full, and they weigh many things besides this. The balance a card issuer reports is usually the one on the statement date, which may not be what you owe today. Not financial advice.