Suggested target
Many people aim to move below 50% first, then below 25% if affordable and realistic.
Free credit tool
Credit Utilisation Calculator
Estimate how much of your available credit you are using and see practical, cautious steps for reducing balance pressure before future applications.
This is general guidance for a UK context only. It does not predict a credit score or lender decision.
Your result
Enter your figures to see your utilisation percentage, rating and practical next steps.
How to use this result
Utilisation is one signal, not the whole decision.
High utilisation may suggest pressure on available credit. Lower balances may help your profile look more controlled, but affordability, payment history, adverse markers and application timing can all matter too.
Practical focus
Avoid adding to revolving balances, pay more than the minimum where affordable and review spending patterns.
Next tool
Estimate your credit improvement timeline after checking your utilisation.
FAQ
What is credit utilisation?
Credit utilisation is the percentage of available revolving credit you are using, usually based on credit card limits and balances.
Is lower utilisation always better?
Lower utilisation can often look more comfortable, but lenders use their own criteria and may also consider income, payment history, affordability and recent applications.
Does this calculator predict my credit score?
No. It gives an educational utilisation band only and does not estimate credit score changes.
Should I close an old card to reduce utilisation?
Closing an account can reduce available limit and may increase utilisation if balances remain. Consider the wider impact before making changes.