How to use this calculator
- Enter outstanding balance, total credit limit.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Use balances and limits for the same account or the same set of accounts. Reporting dates can differ from statement dates. No credit-score prediction is made.
Worked example
A balance of 1,500 against a limit of 5,000 gives 30% utilization and 3,500 of unused limit.
What the result means
Utilization can exceed 100% when the balance exceeds the stated limit. This ratio alone does not determine a credit score or borrowing decision.
Common questions
Can utilization exceed 100%?
Yes, if the reported balance exceeds the entered credit limit.
Does this predict my credit score?
No. Scoring models use additional information and vary by market.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.