Credit utilization calculator
Credit utilization calculator - overall and per-card utilization plus paydown needed for a target percent
Answeringour last check, 2026-10-20
1 of 1checks answered this week
575 msmedian answer time
$0.01listed price per call
$0.01price it asked us
Paid test badge: not yet. The checks above are free: we call the tool without paying and read the payment request it sends back. The Verified badge needs paid calls whose answers match the promised output, and nobody can buy a badge.
Endpoint
GET https://saylorinnovations.com/api/credit/utilization
| Category | Everything else |
|---|---|
| Provider host | saylorinnovations.com |
| Networks | eip155:137, eip155:42161, eip155:8453, solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp |
| Payment schemes | exact |
| Self-reported calls, 30 days | 0 from 0 payers (the provider's figure, not ours) |
Our checks, last 30 days
| Day | Result | HTTP | Asked | Time |
|---|---|---|---|---|
| 2026-10-20 | valid payment request | 402 | $0.01 | 575 ms |
Example input (from the provider)
{
"method": "GET",
"queryParams": {
"balances": "500,1200",
"limits": "2000,3000",
"target_percent": "30"
},
"type": "http"
}
Promised output schema (from the provider)
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"method": {
"enum": [
"GET"
],
"type": "string"
},
"queryParams": {
"properties": {
"balances": {
"description": "required comma-separated card balances, e.g. 500,1200 (query)",
"type": "string"
},
"limits": {
"description": "required comma-separated matching credit limits, e.g. 2000,3000 (query)",
"type": "string"
},
"target_percent": {
"description": "optional target utilization percent, default 30 (query)",
"type": "string"
}
},
"required": [
"balances",
"limits"
],
"type": "object"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method"
],
"type": "object"
},
"output": {
"properties": {
"example": {
"properties": {
"balances": {
"type": "array"
},
"cards": {
"type": "array"
},
"formula": {
"description": "Formula used for the calculation",
"type": "string"
},
"limits": {
"type": "array"
},
"overall_utilization_percent": {
"description": "Overall utilization, as a percentage",
"type": "number"
},
"paydown_to_target": {
"description": "Paydown to target",
"type": "number"
},
"scope_note": {
"description": "What this data covers and what it leaves out",
"type": "string"
},
"target_percent": {
"description": "Target, as a percentage",
"type": "number"
},
"target_total_balance": {
"description": "Target total balance",
"type": "number"
},
"total_balance": {
"description": "Total balance",
"type": "number"
},
"total_limit": {
"description": "Total limit",
"type": "number"
}
},
"required": [
"balances",
"limits",
"target_percent",
"overall_utilization_percent",
"paydown_to_target"
],
"type": "object"
},
"type": {
"const": "json",
"type": "string"
}
},
"required": [
"type"
],
"type": "object"
}
},
"required": [
"input"
],
"type": "object"
}