Credit Utilisation Calculator

Your credit cards

Add each card's limit and current balance - your utilisation updates as you type.

Overall credit utilisation

Total credit limit
Total balance
Utilisation
Pay down to reach 30%
Pay down to reach 10%

Per-card utilisation

Card Balance Limit Utilisation

Lenders look at both your overall utilisation and your highest single card, so keeping every card below 30% helps.

Saved scenarios

Balance / LimitUtilisation

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