Credit Utilization Calculator

Enter each card's limit and balance to see how much of your credit you are using, and what to pay to bring it under your target.

On this page

You are using 32% of your ₹2,50,000 total limit. Paying ₹5,000 brings it down to 30%.

Card 1

Credit limit

₹

Balance

₹

Card 2

Credit limit

₹

Balance

₹

Target use

30% is a common guideline, not a credit bureau rule.

Example values; enter your card's figures from your statement or the bank's schedule of charges.

Credit used

32%

Total balance

₹80,000

of ₹2,50,000

Pay to reach 30%

₹5,000

Room under target

₹0

Credit bureaus look at how much of your limit you use, among many other things. Keeping it under about 30% is a common guideline, not a rule from any credit bureau, and paying the full bill on time matters more.

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Credit used

32%

What it is:: A calculator for the share of your credit card limits in use.
What it calculates:: Total limit, total balance, percentage used and the payment to reach a target.

Key Assumptions

Default inputs are examples, not any bank's figures; enter your card's figures from your statement or the bank's schedule of charges.
30% is a common guideline, not a credit bureau rule.

How does the Credit Utilization Calculator work?

Credit utilisation is your total card balances divided by your total card limits.

Keeping it under about 30% is a common guideline. It is not a rule published by any credit bureau, and paying your full bill on time matters more.