Credit card planning
Credit Utilisation Calculator
See your current card utilisation and model the effect of paying down balances. The ratio is calculated as total revolving balances divided by total available limits.
Your inputs
Enter your figures.
How to read it
A lower utilisation ratio means you are using a smaller share of the available revolving limit. It is one input among many that a credit bureau or lender may consider.
Do not treat a calculator threshold as a guaranteed credit-score outcome.