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Model the numbers behind your next move. No sign-in, no SSN and no credit pull.
Revolving balances
Credit utilization calculator
Explore a balance change on one card or across all your cards. Use the same set of accounts for both balance and limit.
Enter a nonnegative balance and a credit limit greater than zero to see your scenario.
These percentages are comparison points, not guaranteed scoring thresholds. New purchases, interest, fees and reporting timing can change the result. Paying interest is not necessary to build credit. Preserve money for essentials and required payments.
Credit factors explained by the CFPB ↗Monthly commitments
Debt-to-income calculator
Compare monthly debt payments with monthly income before taxes. This ratio is one part of a lender’s review.
Enter gross income greater than zero and existing monthly debt payments. Enter zero if you have no existing payments.
Lenders and loan programs use different limits and income/debt definitions. This is not an approval test or a complete affordability budget: groceries, utilities, taxes, savings and other expenses still matter.
DTI explained by the CFPB ↗Your calculator entries stay in this page’s memory. They are not submitted, saved to your workspace, or included in analytics. Reload to clear them.
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