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When channel state information (CSI) is available at the transmitter, the system throughput can be enhanced by adaptive transmissions and opportunistic multiuser scheduling. In this paper, we consider multi-input multi-output (MIMO) systems employing bit-interleaved coded orthogonal frequency division multiplexing (BIC-OFDM). We first propose a bit- loading algorithm based on the Levin-Campello algorithm for the BIC-OFDM. Then we will apply this algorithm to the MIMO system with a finite set of constellations, by reassigning residual power on each stream. Simulation results show that proposed bit-loading scheme which takes the residual power into account improves the system performance especially at high signal-to- noise ratio (SNR) range.