Credit utilisation ratio
Finance / FREE CALCULATOR
Calculate the share of an available credit limit currently used.
Your answer starts here.
Enter your values and select Calculate to see the result and any available breakdown.
How to use this calculator
- Enter outstanding card balance. Use the unit shown beside the field.
- Enter credit limit. Use the unit shown beside the field.
- Select Calculate and review the result. Select Reset to restore the example inputs.
How the calculation works
Outstanding card balance/Credit limit*100
Worked example
Outstanding card balance = 1000; Credit limit = 5000. Result: 20 %.
Understand your result
Calculate the share of an available credit limit currently used. The result is expressed in %.
Assumptions and limitations
This does not predict a credit score or lending decision. Results are rounded for display.
Questions about this tool
What does this tool calculate?
Calculate the share of an available credit limit currently used.
What should I check before using the answer?
This does not predict a credit score or lending decision.
Related guides
Guides will appear here when published and linked by the editor.