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🎯 Stage 3 — Kill High-Interest Debt

Credit Utilization Checker

Credit utilization — how much of your limit you're using — accounts for 30% of your score. See your current ratio and exactly how much to spend to keep it optimal.

$
$
0–10% ideal
10–30% good
30%+ caution
—%
utilization ratio
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Enter your credit limit and balance above
We'll instantly tell you if your utilization is helping or hurting your score.
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Your situation at a glance
Personalized insights based on your inputs
What to do next
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See how utilization affects your credit score →
The Credit Score Timeline shows exactly how long each improvement step takes in Canada — month by month.

Not sure where to start?

Get the free First 90 Days guide — exactly what to do, in order, from day one.

Download the Free Guide (PDF)

Free · No sign-up · Opens instantly