Utilisation improvement calculator

Payment needed to hit a target ratio.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Balances

Limits

Target utilisation

30%

Pay down

$1,000

Current utilisation

35.0%

With these inputs, pay down comes to $1,000. Current utilisation works out to 35.0%.

What moves the number · Pay down

Input	−10%	Now	+10%
Balances	$300	$1,000	$1,700
Limits	$1,600	$1,000	$400
Target utilisation	$1,600	$1,000	$400

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Payment needed to hit a target ratio.

With the defaults above, pay down works out at $1,000.