Debt & loans
Credit Utilization Calculator
Credit Utilization Calculator is free to use. Enter your figures below and the result updates as you type. Use it for planning; it is an estimate, not advice.
About the Credit Utilization Calculator
Utilisation = Total balances ÷ Total credit limits × 100.
Keeping it under 30% is widely recommended for a good credit score.
How to use the Credit Utilization Calculator
- Enter each figure in the boxes above, using the same currency and time units.
- The result updates as you type. Press Calculate to refresh it at any time.
- Change one figure at a time to see how much it moves the result.
Frequently asked questions
What is the Credit Utilization Calculator used for?
Keeping it under 30% is widely recommended for a good credit score.
How accurate is the Credit Utilization Calculator?
It applies standard formulas to the figures you enter. Real results depend on actual rates, fees, taxes and timing, so treat the output as an estimate and confirm with your bank or adviser.
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