🎯 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.

Credit Limit

Current Balance

0–10% ideal

10–30% good

30%+ caution

—%

utilization ratio

💡

Enter your credit limit and balance above

We'll instantly tell you if your utilization is helping or hurting your score.

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