Utilization is your current balance divided by your credit limit, shown as a percentage next to each credit card on the Net worth page.
It's color-coded the same way as budgets: green under 70%, amber from 70 to 90%, and red at 90% or above. Keeping utilization low is generally good for your credit health.
A credit card in Settings, where utilization is calculated from
Frequently asked questions
Why does a card show no utilization?
A credit limit has to be set for the percentage to calculate. Edit the card in Settings and add one.
Does Gramafin report utilization to any credit bureau?
No. It's a personal reference number calculated from what you've entered, not connected to any external credit system.
