Credit Utilization Optimizer
Up to 5 cards. See the utilization on each card and overall, the exact amount to pay down on each to reach your target, and the estimated score range that follows.
Step 3 of 5 in the Credit Hub. Your answers carry across every step.See the full path
Your credit cards
$
$
1% (optimal)30% (good)50%+ (hurts)
Enter each card's limit and balance, set a target utilization, then select Optimize Utilization to see how much to pay on each card.
How this is calculated
We compute your credit-utilization ratio per card and overall, and the paydown needed to hit a target — with an estimated score impact.
The steps
- Per card: utilization = balance ÷ limit. Overall = total balances ÷ total limits.
- For a target %, compute the paydown needed on each card, prioritizing the highest-utilization cards.
- Estimate the score change from lowering overall utilization (bigger effect when starting high).
Assumptions
- Target utilization ~30% or lower; limits/balances you enter.
Good to know
- Score impact is an estimate; reported balances depend on statement timing.
Need more than a quick fix? Follow a week-by-week plan to a mortgage-ready score.
The Credit Roadmap turns ten answers into a 8 to 36 week program: disputes, utilization, collections and new accounts, tracked weekly. Free, without an account.
Related resources
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. View full disclosures