Quick
Calculate overall utilization from totals. Then check the guidance bands and pay-down targets.
Overall utilization
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Available credit
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“Under 30%” guideline
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To reach 30% (max balance)
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To reach 10% (max balance)
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ONDO • ondo365
Pay-down targets
- To get under 30%, pay down: —
- To get under 10%, pay down: —
Tip: to report lower utilization, many people pay down before the statement closes (not only by the due date).
Watermark included • ONDO
Utilization meter—
0–9% Excellent (optimization zone)
10–29% Good (common target)
30–49% Caution (often advised to reduce)
50%+ High (riskier for score)
How to use
- In Quick, enter Total credit limit and Total balance, then calculate.
- Check the guidance bands: under 30% is a common target; under 10% is an optimization zone.
- Use Pay-down targets to see how much you’d need to reduce balances to hit 30% or 10%.
- Use Per-card to see individual card utilization and optionally auto-fill totals.
- Use Share / Copy link to save settings (encoded in the URL). Use Save as image for a watermark card.
Tips
- Utilization is typically based on revolving credit (credit cards/lines), not installment loans.
- Paying early (before statement close) can reduce what’s reported.
- Avoid maxing out a single card even if your overall is okay.
Privacy & disclaimer
Calculations run locally in your browser. ONDO does not store your data. If you share a link, your settings may appear in the URL—avoid sharing sensitive numbers.
Read disclaimer
- This tool is educational and not financial advice.
- Credit scoring models vary. Results are approximations.
- Use your own statements/credit reports for exact reporting timing.
FAQ
Does per-card utilization matter?
Many people track both overall and per-card utilization because some models may consider both.
Should I include cards with a zero balance?
Yes—zero-balance cards increase your total available credit and can lower overall utilization.
What if my utilization is over 30%?
It’s a guideline. Consider paying balances down, paying early, or adjusting how balances are spread across cards.
Do you fetch my credit report or bank data?
No. This tool is local-only and uses only the numbers you type in.