Mission Tool · Utilization Readout
Credit Utilization Index
Live CUI % across all your revolving lines. Lower is better — the FICO model rewards single-digit utilization. Adjust balances and watch the readout move in real time.
Aggregate CUI
0%
Add a card to begin
Total Balance
$0
Total Limit
$0
Open Lines
0
Enter at least one card with a limit to see your utilization.
< 1% Best
< 10% Excellent
< 30% Good
≥ 30% Warning
≥ 50% Red Flag
Your Cards
How we got this answer ▾
FICO & VantageScore aligned
Revolving utilization model
Aggregate CUI = total balances ÷ total credit limits, expressed as a percent. Per-card utilization uses the same ratio for each line. Lines with no limit entered are excluded from the aggregate.
Scoring tiers mirror lender guidance: <1% best, <10% excellent, <30% good, ≥30% warning, ≥50% red flag. The 30% mark is the widely-cited scoring cliff. Both overall and per-card utilization matter, so we surface each.
This is an educational estimate to help you plan paydowns — running it never affects your real credit score and nothing is stored.