Credit planning
Utilization targets
Calculate your revolving balance-to-limit ratio and the paydown needed for a chosen target.
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 result
Ready when you are
Review the example inputs and update the result.
How this tool works
Utilization is revolving balance divided by revolving credit limit. Targets are planning examples, not score cutoffs or approval requirements. A lower ratio does not imply a specific score change.
Reference: CFPB guide to credit scores.
Adapted from the financial planning tools at Credit Sense Credit Repair.