FreeByte

Credit utilisation calculator

The share of your limits in use.

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

Utilisation

28.0%

To reach 30%

$0

With these inputs, utilisation comes to 28.0%.

To reach 10%
$2,700

What moves the number · Utilisation

Input−10%Now+10%
Total balances25.2%28.0%30.8%
Total limits31.1%28.0%25.5%

Solve for an input

Whatmakesequal

Compare scenarios

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

The share of your limits in use.

A worked example

Starting figures

Total balances
$4,200
Total limits
$15,000

What it returns

Utilisation
28.0%
To reach 30%
$0
To reach 10%
$2,700

How to read the results

With the defaults above, utilisation works out at 28.0%.

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