Credit Utilization Calculator
What percentage of your credit limit you are using — one of the biggest factors in a credit score — and how much to pay off to reach a target percentage.
Your credit utilisation
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Limit still available
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Pay this much to hit your target
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Band
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How it works
Utilisation = balance ÷ credit limit × 100, across all cards combined. Lower is generally better for a credit profile: under 30% is the common guideline and under 10% is excellent. Pay-down needed = balance − (limit × target%).More free tools: Financial Calculators hub — car finance, loan vs invest, Apna Ghar and more.
Estimates only — not financial advice. Rates, slabs and prices change; confirm live figures with your bank, broker or the FBR before acting. Calculations run in your browser; nothing is uploaded.