Canadian credit utilization calculator
See how much of your available revolving credit you are using—and estimate the payment that would bring the total to 29%.
PrivateCalculations stay in your browser.
PracticalGet a dollar target, not a lecture.
Canadian sourceBased on FCAC consumer guidance.
Enter your totals
Add balances and limits across your credit cards and lines of credit.
Why calculate 29%?
The Financial Consumer Agency of Canada says to try to use less than 30% of your total credit limit. This tool uses 29% as a simple below-30% planning target. Credit scores depend on multiple factors, and reaching this target does not guarantee a particular score or lending decision.