Utilization Correction Tool (30% Rule)
Get back into the safe zone
Determine the exact dollar amount needed to pay down your balances to hit the critical 30%, 10%, or 1% utilization thresholds.
Your Credit Cards
Enter the credit limit and current balance for each of your cards.
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About Utilization Correction Tool (30% Rule)
The Utilization Correction Tool (30% Rule) is a free online tool that helps you get back into the safe zone. Whether you're planning to apply for credit, managing existing debt, or simply want to understand your financial position better, this calculator provides instant, accurate estimates with detailed visual report and actionable recommendations.
Your Next Steps
What to Do Next?
Based on your analysis with the Utilization Correction Tool (30% Rule), these tools will help you execute the next phase of your financial plan.