Interactive tool

Utilization Planner

See your credit utilization and the exact dollars to pay to reach each threshold. No score promises, just the math.

Total balance

What you owe across your credit cards right now.

Total credit limit

Add up the limits on those same cards.

Enter a balance and a credit limit to see your utilization and what to pay to reach each threshold.

FICO counts amounts owed at about 30% of a FICO score, and utilization is the biggest part of it. Lower generally helps; under 30% is a common guideline and under 10% is stronger.

Source: myFICO (opens in new tab)