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Life Setup Guide

A planner, not a personal assessment

Credit-utilization calculator

Calculate a balance-to-limit ratio. It does not estimate a credit score or guarantee that a lender will approve you.

Use USD amounts for one consistent period. Blank fields are not guessed; type zero for a category that does not apply.

Here's your starting point

Add your figures, then build your plan.

What this planner does

Utilization = balance ÷ limit × 100. Use one card or the sum of all revolving balances and limits consistently. Reporting dates can differ from payment dates. A ratio over 100% is shown rather than hidden; check fees, recent payments and the reported limit.