LIVE ENGINE
Utilization, payoff, and target tools
Three live engines. Enter your numbers, get a ratio, a payoff date, and the exact balance to hit your target.
TOOL 1
Credit utilization calculator
Enter a credit limit and current balance. Get your ratio, available credit, and target band instantly.
RESULTS
Keep overall utilization under 10% for the strongest result. A single maxed-out card still counts.
TOOL 2
Payoff simulator
Enter a balance, APR, and monthly payment. Get payoff time, total interest, and total repayment.
RESULTS
Assumes a fixed APR and the same payment every month with no new charges.
TOOL 3
Target-balance planner
Set current and target utilization against your total limit. See the exact dollars to pay down.
RESULTS
This is the balance gap to your target. Pair it with the payoff simulator to pick a monthly amount.
All three tools run in your browser. Numbers stay on this device — nothing is uploaded to get a result.