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Optimal Payment Calculator
Find out exactly how much to pay to reach your ideal credit utilization rate.
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Payment Targets
Enter your credit limit to see payment targets.
Optimal Utilization Strategy
Credit scoring models reward lower utilization. The sweet spot is generally under 10%, but even getting below 30% makes a noticeable difference.
Timing matters: Your utilization is typically reported on your statement closing date. Making a payment before that date can lower the utilization that gets reported.
Pro tip: You don't need 0% utilization. Having a small balance (1–5%) can actually be slightly better than 0% because it shows you're actively using credit responsibly.