Credit Utilization Ratio Calculator
Add your credit cards to see your overall and per-card utilization, and how much to pay before your statement date to improve your CIBIL score. No PAN, no sign-up. Nothing leaves your browser.
Your credit cards
Use the outstanding balance on your statement, since that's what banks report to CIBIL.
Per-card breakdown
| Card | Limit | Balance | Utilization | Status |
|---|
What is a good credit utilization ratio?
Credit utilization is how much of your total card limit you are using. Lenders read high utilization as a sign of credit stress, so it is one of the fastest-moving factors in your CIBIL score. Under 30% is commonly treated as healthy and under 10% as ideal. Keeping each card below 30% matters too, not only the total.
Frequently asked questions
What is a good credit utilization ratio for CIBIL?
Below 30% is commonly considered healthy and below 10% is ideal. Try to keep each card under 30%, not only the total.
Does paying my bill in full keep utilization low?
Not always. The balance on your statement date is what gets reported. Paying part of it before the statement is generated lowers reported utilization.
Should I close unused credit cards?
Closing a card removes its limit, which raises utilization, and can shorten your credit history. Keeping an old, unused card open often helps your score.