Financial calculators

Illustrative arithmetic using fictional starting values. Inputs stay in this page and are not submitted to us. These examples do not predict approval, credit scores, or investment returns.

Utilization

Limits (comma separated)Balances (comma separated)

{
  "totalLimit": 6000,
  "totalBalance": 1500,
  "utilizationPct": 25
}

Debt-to-Income (DTI)

Monthly Income ($)Monthly Debt Payments ($)

{
  "monthlyIncome": 3000,
  "monthlyDebts": 900,
  "dtiPct": 30
}

Utilization = balances ÷ limits × 100. Debt-to-income = monthly debt payments ÷ monthly income × 100. Lender definitions and decisions vary; verify the inputs and applicable terms.