TOOLS / UTILISATION
Credit utilisation
Per card and overall, and what paying down a specific balance does to it.
Arithmetic only. Nothing here predicts a score or promises a result.
Your cards
Card 148.0%
Card 230.0%
Card 30.0%
If you paid some down
Overall utilisation
33.0%
$3,300 owed against $10,000 of available credit.
After paying down $1,00023.0%
Card by card
Card 1 — 48.0%$2,400
Card 2 — 30.0%$900
Card 3 — 0.0%$0
Card 1 is at 48.0% on its own. Individual card utilisation is looked at separately from your overall number, so money put against the highest single card usually does more than spreading it evenly.
This is arithmetic and nothing more. It divides a balance by a limit. It does not predict a credit score, promise a change to one, or tell you what a lender will do. Anyone showing you a calculator that claims to do that is selling something.
If the reason you are on this page is that you want to buy a house, the debt-to-income calculator usually matters more than this one. That is the number that stops most purchases.
This is a planning estimate, not an offer, an appraisal, a quote, or a commitment. Everything runs in your browser: no figure you type here is sent anywhere or stored. No credit score change, outcome, or timeline is promised or implied anywhere on this site.