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Credit planning

Utilization optimizer

Compare individual cards, overall utilization and target paydowns without double-counting balances.

Your entries stay in this page and are not saved or submitted. No account is needed.

Adapted from the financial planning tools at Credit Sense Credit Repair.

Your inputs

Prefilled amounts are examples. Replace them with the numbers you want to explore.

Up to 20 entries. Example amounts are filled in; replace them with your own.

Your result

Ready when you are

Review the example inputs and update the result.

    How this tool works

    Each card contributes once to the total balance and limit. The review order uses the highest utilization first; it is not the interest-minimizing debt strategy. Use Debt comparison for APR-based planning.

    Reference: CFPB guide to credit scores.

    Adapted from the financial planning tools at Credit Sense Credit Repair.