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Utilization calculator: with and without the authorized user card
Utilization is the share of available revolving credit being used: reported balance divided by credit limit. Being added to — or removed from — a card can change that math even when your own spending stays the same. Enter your cards to see it. Nothing you type leaves your browser.
Results
Enter a balance and limit for at least one card.
These percentages describe reported balances and limits. They do not predict a score. Scoring models also look at individual cards and the rest of your file, and authorized user accounts are treated differently across score versions.
How to read the results
- Per card shows how much of each card's limit the reported balance uses. A $500 balance on a $10,000 limit is 5%; a $9,000 balance on the same card is 90%. Same card, same limit, very different picture.
- Combined adds all balances and divides by all limits.
- Without authorized user cards shows what's left if those accounts leave the calculation — for example, after removal.
Illustration only
Low-balance AU card. Your card: $600 balance, $2,000 limit. AU card: $0 balance, $8,000 limit. Combined: $600 ÷ $10,000 = 6%. Without the AU card: $600 ÷ $2,000 = 30%. Your spending didn't change; the available limit in the calculation did.
Illustration only
High-balance AU card. Your card: $600 / $2,000. AU card: $7,200 / $8,000. Combined: $7,800 ÷ $10,000 = 78%. Without the AU card: 30%. Here, leaving the calculation lowers combined utilization.
Thirty percent is not a magic line where everything below it is harmless. Use these numbers to understand your report, not to forecast a score.
Related: What happens when you're removed · How authorized user accounts work · Free tracker
Tradeline Truth provides general education about authorized user accounts and credit reporting. It is not legal, financial or credit advice, is not a credit repair service, and does not guarantee any score change, approval or reporting outcome. Issuer and lender practices change; confirm with the issuer. Keep your records private. Do not send credit reports, identification numbers or personal financial details to Tradeline Truth. We provide general education and do not review individual files.