What you provide
What you provide
- Current card balances: Combined balances likely to be reported.
- Total revolving limits: Combined limits for the included card accounts.
- Planned additional charge: New charge added to the projected balance.
CREDIT CARDS / LIMIT USE
Credit Utilization Calculator
Calculate current and projected revolving credit utilization across entered balances and limits, including one planned additional charge.
- 01 Calculated in this tab
- 02 Values stay in this browser tab
- 03 Use boundary
Use boundary
Calculation path
Current and planned revolving balances are divided by total revolving limits. The calculation does not attempt to predict a credit score.
Calculation path
Utilization = projected card balances / total revolving credit limits x 100.
What you receive
What you receive
- Current utilization percentage
- Projected utilization after the charge
- Projected available credit
Use boundary
Choose the maximum decimal places shown. This does not increase source accuracy.
Issuer reporting dates, individual-card utilization, closed accounts, and scoring models can produce different credit outcomes.
This is an educational planning estimate. Confirm lender, issuer, tax, accounting, and contractual rules with the relevant provider or qualified adviser before acting.