Credit utilization calculator
Work out your overall and per-card credit utilization, and how much to repay to reach a target ratio.
Utilization is one input among several in a credit-scoring model. No lender publishes a ratio that guarantees an outcome.
How this is worked out
Utilization = total balances ÷ total credit limits × 100What this assumes
A calculator is only as good as what it leaves out. These are the assumptions built into the result above.
- Balances are the amounts your card issuers report, which is usually the statement balance rather than what you owe today.
- Utilization is shown both overall and per card. Scoring models look at both, and weight them differently.
- Bands are descriptive. No lender publishes a utilization figure that guarantees an outcome.
Educational information only. This page explains how something works in the Australia. It is not financial advice and does not take account of your circumstances. Rates, fees and eligibility change without notice — check the provider’s own terms before you act.
For free, impartial guidance, see Moneysmart (ASIC). To complain about a firm, contact the Australian Financial Complaints Authority.
Guides that go with this tool
Credit Utilisation: What It Means for Your Credit Score
How much of your available credit you are using, why your total credit limits matter in Australia even when unused, and how to bring the ratio down.
What Is a Credit Score in Australia?
Australia has three credit bureaus using different scales, and comprehensive credit reporting means your monthly repayment history is on file.