# Saylor Innovations Credit Utilization Calculator

> Saylor Innovations Credit Utilization Calculator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).

Calculates overall and per-card credit utilization percentages and computes the paydown amount needed to reach a target utilization rate

## Facts

- Endpoint: GET https://saylorinnovations.com/api/credit/utilization?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-credit-utilization-calculator-0e6dea45
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_iCAQRYkiuTLyGZiYve-3M

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability saylor-innovations-credit-utilization-calculator-0e6dea45
```

Example prompt: 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%?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

Credit utilization calculator - overall and per-card utilization plus paydown needed for a target percent

## Output

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.

## Request schema (JSON Schema)

```json
{
 "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"
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-credit-utilization-calculator-0e6dea45/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from saylorinnovations.com](https://www.zero.xyz/host/saylorinnovations.com/llms.txt)