Credit Utilization Calculator 2026(Free FICO Predictor)
Predict your FICO score impact before making payments. Optimal payoff order included.
Engineered by Brian for 4,141 agencies. Beats Bankrate, NerdWallet, and Credit Karma calculators.
How Credit Utilization Affects Your FICO Score in 2026
Credit utilization is the second most important FICO factor (30% of your score), behind only payment history. The 2026 FICO model weighs individual card utilization AND overall utilization across all accounts. Keeping each card below 30% is good -- below 10% is optimal for maximum scoring.
Why This Calculator Beats Bankrate and NerdWallet
Most utilization calculators only show your current percentage. This forecaster predicts your actual FICO impact before you make payments, gives you the optimal payoff order across multiple cards, and includes the 2026 FICO scoring model changes. All free, no sign-up, engineered by Brian for credit repair professionals.