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Credit Limit Calculator

Estimate a reasonable credit limit to request based on your income and existing debt.

Formula v1.0.0GlobalMethodologycredit-limit-v1
How this is calculated
Limit ≈ (Target DTI × monthly income − existing debt) ÷ assumed minimum payment %

About this calculator

Estimate a reasonable credit card limit to request based on your income, existing monthly debt payments and a target debt-to-income ratio, using the typical minimum-payment rule issuers apply.

Worked example

$70,000 income, $500 existing monthly debt, 36% target DTI

Result: Suggested limit ≈ $52,333

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