{"uid":"cap_iCAQRYkiuTLyGZiYve-3M","slug":"saylor-innovations-credit-utilization-calculator-0e6dea45","name":"Saylor Innovations Credit Utilization Calculator","description":"Credit utilization calculator - overall and per-card utilization plus paydown needed for a target percent","url":"https://saylorinnovations.com/api/credit/utilization?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["balances","limits"],"properties":{"limits":{"type":"string","description":"required comma-separated matching credit limits, e.g. 2000,3000 (query)"},"balances":{"type":"string","description":"required comma-separated card balances, e.g. 500,1200 (query)"},"target_percent":{"type":"string","description":"optional target utilization percent, default 30 (query)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","required":["balances","limits","target_percent","overall_utilization_percent","paydown_to_target"],"properties":{"cards":{"type":"array"},"limits":{"type":"array"},"formula":{"type":"string","description":"Formula used for the calculation"},"balances":{"type":"array"},"scope_note":{"type":"string","description":"What this data covers and what it leaves out"},"total_limit":{"type":"number","description":"Total limit"},"total_balance":{"type":"number","description":"Total balance"},"target_percent":{"type":"number","description":"Target, as a percentage"},"paydown_to_target":{"type":"number","description":"Paydown to target"},"target_total_balance":{"type":"number","description":"Target total balance"},"overall_utilization_percent":{"type":"number","description":"Overall utilization, as a percentage"}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_Xy5sQedWh_z6F6nDLcHmb","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates overall and per-card credit utilization percentages and computes the paydown amount needed to reach a target utilization rate","exampleAgentPrompt":"I have two credit cards — one with a $500 balance on a $2000 limit and another with a $1200 balance on a $3000 limit. What's my overall utilization, and how much would I need to pay down to get it under 30%?","exampleUseCases":[{"title":"Pre-application credit check","prompt":"I'm about to apply for a mortgage and I need to know my current credit utilization. My cards have balances of 800, 1500, and 300 with limits of 2000, 3000, and 1000. What's my overall utilization and how much do I need to pay down to get it below 10%?"},{"title":"Monthly credit score optimization","prompt":"Can you calculate my credit card utilization this month? My balances are 600 and 900, and my limits are 2500 and 2000. I'm trying to stay under 30% — do I need to pay anything down?"},{"title":"Multi-card paydown planning","prompt":"I have four credit cards with balances of 400, 1100, 750, and 200 against limits of 1500, 2000, 3000, and 800. What's my per-card and overall utilization, and how much total do I need to pay to hit a 20% target?"}],"resultDescription":"Returns a JSON object with per-card breakdowns of balances and limits, total balance and total limit, overall utilization percentage, target utilization percent, target total balance, paydown amount needed to reach the target, the formula used, and a scope note explaining what is and isn't included in the calculation.","failureModes":["Missing required 'balances' or 'limits' query parameters returns an error","Mismatched number of balances vs limits (unequal array lengths) may produce incorrect results","Non-numeric or malformed comma-separated values cause parsing errors","Zero total credit limit causes division-by-zero error","Negative balances or limits may produce unexpected utilization values"],"whenToPreferThis":"Choose this endpoint when you need a quick, stateless computation of credit utilization across one or more credit cards, especially when you also need to calculate the exact paydown amount to reach a specific utilization target. It is ideal for personal finance agents, credit coaching tools, or pre-application credit readiness checks. It does not require account connectivity or OAuth — just raw balances and limits.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T06:53:34.726Z","isFirstParty":false,"canonicalSlug":"saylor-innovations-credit-utilization-calculator-0e6dea45"}