toolsko

Choose your language

ToolsKo is written in English. Prefer another language? Open a translated version of this public page.

Browser language suggestion: English. You can choose any language below.

Translation opens in a new tab using Google Translate. It receives this public page URL. Automatic translations may contain mistakes; use the original English page for tool inputs, downloads, and generated documents.

Your choice is remembered on this browser when storage is available. Use Language in the header to change it.

Credit Utilization Calculator

Your credit utilization ratio overall and per card, plus how much to pay to reach a target.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Utilization = balances ÷ limits. Many people aim to keep it low; your target is your choice, the default is just an example.

How to use it (step by step)

  1. 1Fill in the boxes: “Balances (comma-separated)”, “Credit limits (same order)”, “Target utilization (%)”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

Credit utilization
How much of your credit limit you are using. ₱20,000 used of a ₱100,000 limit = 20%.
Reach / impressions
Reach = how many different people saw your post. Impressions/views = how many times it was seen in total.
Fraction / ratio
A fraction is a part of a whole (3/4 = three of four parts). A ratio compares two amounts (2:1 = twice as much).
Percentage
A part out of 100. 25% of 200 = 50.

More in Cards & Payments

AVS Response CodesAddress Verification Service results explained: Y, Z, A, N, U and more.CVV2 / CVC2 Result CodesWhat M, N, P, S and U mean in a card security code check result.3D Secure ECI Value LookupDecode the ECI from a 3DS authentication (05/06/07 for Visa, 02/01/00 for Mastercard).Merchant Category Code (MCC) LookupFind what a 4-digit MCC means (5411 groceries, 5812 restaurants…) or search by business type.ISO 4217 Currency CodesCurrency code, numeric code and decimal places (minor units) for 50 currencies.Card Number Rules by NetworkPrefixes (IIN ranges), lengths and security-code size for every major card network.