Credit Score Estimator

A rough, educational estimate -- not your real score

On-time payments (last 2 years)%

Credit utilization (balances vs limits)%

Length of credit history

Hard inquiries (last 2 years)

Variety of account types (cards, loans, mortgage)

Estimated score range

a rough educational estimate, not your real score

General standing

Points contributed by each factor

IMPORTANT: this is an original, simplified point system built for education, using generally-known credit factors -- it is NOT the FICO or VantageScore formula, which are proprietary and not publicly disclosed in exact detail, and it will not match your real credit report score. Real scoring models weigh dozens of additional details (specific account ages, recent balance snapshots, public records, and more) that a five-slider tool cannot capture. For your actual score, check a statement from your card issuer, a free credit monitoring service, or annualcreditreport.com. Use this only to get a general sense of which factors matter most, not as a substitute for your real score.

What to work out next

Credit Card Payoff Calculator

See how long payoff takes and what interest costs.

Mortgage & Payoff Calculator

Mortgage payments, interest, and payoff savings, in one place.

Investment Growth Calculator

See what a monthly investment grows into over time.

Payoff vs Invest

Extra cash: pay down debt, or invest it instead?

Federal Income Tax Calculator

Find your federal tax bracket and estimated bill.

Auto Loan Calculator

Work out your monthly car payment and total interest.

Frequently asked questions

Does checking my own credit score lower it?

No -- checking your own score is a "soft inquiry" and doesn't affect it. Only a "hard inquiry," typically triggered when a lender checks your score as part of a loan or credit card application, has a small, temporary impact.Read more: Credit Score Estimator: A Rough Range, Not the Real Thing

How is a credit score calculated?

Most scoring models weigh payment history most heavily, followed by amounts owed (credit utilization), length of credit history, credit mix, and new credit inquiries. The exact weighting varies by scoring model and bureau, but payment history and utilization are consistently the two biggest levers you control.Read more: The Three-Digit Number That Quietly Runs Your Financial Life

What's a good credit utilization ratio?

Keeping utilization -- the amount you owe relative to your total available credit -- under roughly 30% is a common guideline, and lower is generally better for your score. This applies both per card and across all your credit accounts combined.Read more: Credit Score Estimator: A Rough Range, Not the Real Thing

Does paying only the minimum on a credit card hurt me?

It won't directly hurt your credit score as long as payments are on time, but it costs significantly more in interest over time and keeps your balance -- and utilization -- higher for longer, which can indirectly affect your score and makes the debt take much longer to clear.Read more: The Three-Digit Number That Quietly Runs Your Financial Life

Estimates only, not financial advice. See our Disclaimer.