Measure aggregate and per-account revolving-credit use from entered balances and limits.
The calculator keeps the balance, rate convention, payment timing, fees, and term visible so you can reproduce the result and compare it with an actual offer or statement.
The cash-flow relationship
Place every amount at the correct time
Aggregate utilization = total used revolving credit ÷ total entered credit limits × 100%.
Visual explanation
What changes the borrowing result
Balance / proceedscash charge or interestTime / limit basisExplicit rate or finance chargeAggregate utilization = total used revolving credit ÷ total entered credit limits × 100%.
Read the result in context
Use the estimate with its contract assumptions
Balances of 500 and 1,000 against limits of 2,000 and 3,000 produce aggregate utilization of 30%.
This calculator reports entered ratios only. It does not predict a credit score or prescribe a universal target, and a balance may legitimately produce utilization above 100%.
Quick guide
How to use this calculator
Enter the balances, rates, fees, and timing requested by the visible labels.
Keep monetary entries in one consistent currency.
Review the result together with the declared calculation convention and exclusions.
Calculation method
Calculation method
Aggregate utilization = total used revolving credit ÷ total entered credit limits × 100%.
Entered fixed decimals are aggregated exactly. Iterative rate solving is bounded to a single nonnegative monthly cash-flow root and fails explicitly if the result is absent, too large, or not reliably representable.
Worked example
Worked example
Balances of 500 and 1,000 against limits of 2,000 and 3,000 produce aggregate utilization of 30%.
Aggregate utilization = total used revolving credit ÷ total entered credit limits × 100%.
Supported inputs
Precision and limits
Visible input limits
Amounts are capped at 1e12, rates at 1000%, monthly periods at 1,200, and fixed decimals at 12 places. List tools accept 1–20 uniquely named rows.
Estimate, not a disclosure
Results model only the entered convention. They do not reproduce a lender statement, credit score, underwriting outcome, or jurisdiction-specific consumer-credit disclosure.
International scope
No currency, country, credit bureau, scoring model, statutory APR rule, fee classification, grace period, or issuer policy is assumed.
Calculator-specific assumptions
This calculator reports entered ratios only. It does not predict a credit score or prescribe a universal target, and a balance may legitimately produce utilization above 100%.
