Credit Utilisation Calculator
Calculate total credit utilisation and optional repayment or bands using your own target and thresholds.
u = 100 × balance / limit. When limit is zero, utilisation and its band are undefined. Optional repayment = max(0, balance − limit × target/100). No target or band threshold is prefilled. Only the combined ratio is calculated; this does not forecast credit scores or prescribe repayment.
Inputs and results stay in this browser.
- Utilisation
- Repayment to reach target
- User band
A QUICK WALKTHROUGH
How to use this tool
- u = 100 × balance / limit. When limit is zero, utilisation and its band are undefined. Optional repayment = max(0, balance − limit × target/100). No target or band threshold is prefilled. Only the combined ratio is calculated; this does not forecast credit scores or prescribe repayment.
- Band inputs are optional as a group: supply both thresholds and all three names, or leave all five blank. Require 0 ≤ first ≤ second; thresholds above 100% are allowed. Bands use u < first, first ≤ u < second, and u ≥ second. Names are your labels, not credit ratings.
Raw input report
u = 100 × balance / limit. When limit is zero, utilisation and its band are undefined. Optional repayment = max(0, balance − limit × target/100). No target or band threshold is prefilled. Only the combined ratio is calculated; this does not forecast credit scores or prescribe repayment.
User band
Band inputs are optional as a group: supply both thresholds and all three names, or leave all five blank. Require 0 ≤ first ≤ second; thresholds above 100% are allowed. Bands use u < first, first ≤ u < second, and u ≥ second. Names are your labels, not credit ratings.
Local processing
Inputs and results stay in this browser.
GOOD TO KNOW
Common questions
How are band boundaries treated?
Below the first threshold uses the first name; at the first uses the middle name; at the second uses the last. You choose every threshold and name.