Credit-utilisation calculator

How the calculation works

Balance ÷ credit limit × 100 = utilisation percentage. With several cards, we add all balances and all limits before calculating the percentage.

For example, £500 used from a £2,000 limit is 25%. The bar stops at 100%, but the result still shows the full percentage if your entered balances exceed your limit.

What the result does not tell you

This does not estimate your credit score or predict whether a lender will accept you. Your report’s balance can differ from today’s balance because lenders update agencies on their own schedules.