# Credit Utilization Ratio Calculator: Overall and Per Card > Credit utilization ratio calculator for up to 4 cards: see overall and per-card use, how much to pay down to reach about 30%, and what lenders look for. Source: https://trykosh.com/tools/credit-utilization-calculator Free tool - Loans and credit cards # Credit utilisation ratio calculator Your credit utilisation is how much of your card limits you're using. It is one of the factors in your credit score that you can change fastest. Rules checked 25 October 2026Free - no sign-upRuns in your browser Overall credit utilisation 34% INR 85,000 used of INR 2,50,000 in limits Available credit**INR 1,65,000** Pay down to reach 30%**INR 10,000** Highest single card**40%** Used **INR 85,000**Available **INR 1,65,000** Card by card Card Limit Balance Utilisation Card 1 INR 1,50,000 INR 45,000 30% Card 2 INR 1,00,000 INR 40,000 40% All cards INR 2,50,000 INR 85,000 34% Lenders and bureaus generally prefer utilisation under about 30%. Paying before the statement date lowers the balance that gets reported. ## Upload your statement and Kosh does this for you. Upload a bank or card statement and Kosh finds every EMI and card charge, then builds the fastest way out of debt that still fits your month. [Start free](/signup?via=tool-credit-utilization-calculator) ## How the credit utilisation calculator works Credit utilisation is your card balances divided by your total credit limits. Enter each card's limit and the balance shown on its latest statement, for up to four cards. The calculator shows the ratio for each card and for all of them together. Lenders and credit bureaus generally prefer to see overall utilisation under about 30%. It is guidance, not a rule: scoring models weigh many factors, and a single month of high use matters less than a pattern. Per-card utilisation counts too. One maxed-out card can weigh on your score even if your overall ratio looks healthy, so the calculator flags any card above 50% on its own. Card issuers report the balance as of your statement date, and RBI requires lenders to update credit bureaus at least every fortnight. Paying down a card before its statement is generated lowers the balance that gets reported, even if you always pay in full by the due date. Utilisation = total card balances / total credit limits x 100 To reach 30% balances − 30% x total limits ## Worked example: Kabir's three cards Kabir has three cards with limits of INR 2 lakh, INR 75,000 and INR 1.25 lakh. His statement balances are INR 30,000, INR 60,000 and INR 10,000. Overall he uses INR 1 lakh of INR 4 lakh, or 25%, which is within the usual guideline. But his second card is at 80% on its own, so moving some spending to the other cards or paying it down before the statement date would help. Overall credit utilisation 25% INR 1,00,000 used of INR 4,00,000 in limits Card 2 is above 50% on its own, which can weigh on your score even if the overall ratio looks fine. Available credit**INR 3,00,000** Pay down to reach 30%**INR 0** Highest single card**80%** Used **INR 1,00,000**Available **INR 3,00,000** Under about 30% is what lenders and bureaus generally like to see. It's guidance, not a hard rule. [Load this example into the calculator ->](?cards=3&limit1=200000&bal1=30000&limit2=75000&bal2=60000&limit3=125000&bal3=10000#calculator) ## Good to know - Closing an unused card lowers your total limit and can push your utilisation up. Think twice before closing old cards. - Asking for a higher limit can lower utilisation, but only helps if your spending doesn't rise with it. Some limit requests create a hard enquiry. - Card EMIs and no-cost EMIs block part of the limit until repaid, so they count towards utilisation. - Debit cards, loans and BNPL in some forms don't count here; utilisation is about revolving credit lines. ## Frequently asked questions What is a good credit utilisation ratio? Lenders and bureaus generally like to see under about 30% of your total card limits in use, and lower is usually better. It is a guideline rather than a hard cut-off. Does paying in full every month keep utilisation low? Not necessarily. The balance on your statement date is what gets reported, even if you pay it in full later. Paying part of it before the statement date lowers the reported figure. Is utilisation calculated per card or overall? Both are looked at. Your overall ratio across all cards matters most, but a single card close to its limit can also count against you. How fast does utilisation affect my credit score? Quickly. Lenders now report to credit bureaus at least fortnightly, so a lower balance can show up within weeks, unlike late payments which stay on record for years. ## Sources and assumptions - [Reserve Bank of India](https://www.rbi.org.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.