Credit Utilisation Calculator

See your card utilisation overall and per card, and how much to repay to get under 30%. The result updates as you type so you can compare scenarios quickly.

The method

How it is worked out

Utilisation = balances ÷ limits, overall and per card
statement date
The balance the issuer reports to credit agencies

Keep in mind

What it leaves out

  • Closing cardsRemoves limit and raises utilisation on what is left.
  • Scoring modelsEach agency weighs utilisation differently; 30% is a widely used marker, not a rule.

Use the calculator to compare scenarios rather than as a guaranteed forecast.

About the Credit Utilisation Calculator

See how much of your available credit you use, overall and per card, and what to repay to get under the level scorers like.

How it works and an example to tryShow less

How to use the result

Balances are divided by limits overall and for each card. Repayment to target is the balance above the target share of the limit.

Example to try

£2,200 across £8,000 of limits is 27% overall, but one card at 60% stands out. Repaying £900 on it brings that card under 30%.

Put it to work

Try it on a real situation

Load an example

What moves the result most

    Worked out from your figures above. Tap a row to try it.

    Who uses it, and when

    People improving a credit score before a mortgage or loan application.

    Mistakes worth avoiding

    • Closing an old card, which removes its limit and raises utilisation.
    • Paying after the statement date, so the high balance is what gets reported.
    • Spreading debt evenly instead of clearing the highest-utilisation card first.

    Questions

    What does the Credit Utilisation Calculator do?

    See your card utilisation overall and per card, and how much to repay to get under 30%.

    How should I use the result?

    Balances are divided by limits overall and for each card. Repayment to target is the balance above the target share of the limit.

    Does TechBullion store the information I enter?

    The core calculation or transformation runs in your browser. Normal website security and analytics may still record page-level events, but the tool does not need to create a public record from your inputs.

    What mistakes do people make with a credit utilisation calculator?

    Closing an old card, which removes its limit and raises utilisation. Paying after the statement date, so the high balance is what gets reported. Spreading debt evenly instead of clearing the highest-utilisation card first.

    Is the result guaranteed?

    No. Use the result as a practical check or planning aid and verify important decisions with the relevant primary source, provider or professional advice.

    Part of the guide · Cards and short-term credit · 15 tools

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    Monthly payments, true APR and total cost for personal, car and student loans; the fastest way out of credit-card debt; and whether consolidating, transferring or overpaying actually saves money.

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    Results are estimates based on the figures entered, for general information only, and not financial, investment, tax or legal advice. See our terms of use.