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Credit Card Utilization Calculator
Credit utilization represents the percentage of your total approved credit limits in active use. Keeping this under 30% is a primary driver of a 750+ CIBIL score.
Your Credit Cards
Card #1
Card #2
Utilization Status
Overall Credit Utilization
28.7%
0% (Ideal)30% Threshold50%+ (High Risk)
✓ Excellent / सुरक्षित स्तरYour utilization is within the recommended 30% benchmark. This positively impacts your credit score.
Total Credit Limit₹1,50,000
Total Balance Used₹43,000
Available Credit Remaining₹1,07,000