Work out credit utilisation ratio instantly with clear inputs, formula shown and shareable results.
Utilisation is total balances divided by total limits and is one of the heaviest factors in most credit scores. Scoring models reward keeping it well under 30%, and the figure is read from the statement date, not month end.
Utilisation
Utilisation = total balances / total limits × 100
Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
Usually the opposite — it removes limit, which raises utilisation on the same balances.
Yes. A single maxed card can hurt even when the overall ratio looks comfortable.