diff --git a/components/entities/vault/overview/VaultOverviewBlockIRM.vue b/components/entities/vault/overview/VaultOverviewBlockIRM.vue
index 06e0ecb06..67114dc4d 100644
--- a/components/entities/vault/overview/VaultOverviewBlockIRM.vue
+++ b/components/entities/vault/overview/VaultOverviewBlockIRM.vue
@@ -10,6 +10,7 @@ import {
 import { hasCollateralExposure } from '~/utils/vault/collateral-exposure'
 import { useVaultRegistry } from '~/composables/useVaultRegistry'
 import { eulerUtilsLensABI, eulerVaultLensABI } from '~/entities/euler/abis'
+import { getVaultUtilizationDelta, getVaultUtilizationDeltaActionLabel } from '~/utils/vault-display'
 import annotationPlugin from 'chartjs-plugin-annotation'
 import { Chart as ChartJS, CategoryScale, LinearScale, PointElement, LineElement, Title, Tooltip, Legend, Filler, type ChartData, type ChartOptions } from 'chart.js'
 import { zeroAddress, formatUnits, type Address, type Abi } from 'viem'
@@ -18,6 +19,7 @@ import { Line } from 'vue-chartjs'
 import { logWarn } from '~/utils/errorHandling'
 import { useModal } from '~/components/ui/composables/useModal'
 import { UiFootnoteModal } from '#components'
+import { compactNumber } from '~/utils/string-utils'
 
 // Register Chart.js components
 ChartJS.register(
@@ -271,6 +273,19 @@ const fetchAdaptiveBorrowAPY = async (wadPerSec: bigint): Promise<number | null>
   }
 }
 
+type FormattedUtilizationDelta = {
+  text: string
+}
+
+const formatUtilizationDelta = (targetUtilizationPercent: number): FormattedUtilizationDelta | null => {
+  const delta = getVaultUtilizationDelta(vault, targetUtilizationPercent)
+  if (!delta) return null
+
+  const amount = compactNumber(formatUnits(delta.amount, vault.asset.decimals), 2)
+  const action = getVaultUtilizationDeltaActionLabel(delta)
+  return action ? { text: `${action}: ${amount} ${vault.asset.symbol}` } : null
+}
+
 // Fetch interest rate model data
 const fetchIRMData = async (kinkFraction: number | null) => {
   if (!eulerLensAddresses.value?.vaultLens) {
@@ -510,6 +525,11 @@ const renderChart = async () => {
               const value = typeof context.parsed.y === 'number' ? context.parsed.y.toFixed(2) : 'N/A'
               return `${context.dataset.label}: ${value}%`
             },
+            footer: (context) => {
+              const targetUtilization = Number(context[0]?.label)
+              const delta = formatUtilizationDelta(targetUtilization)
+              return delta?.text ?? ''
+            },
             labelColor: (context) => {
               return {
                 borderColor: context.dataset.borderColor as string,
diff --git a/tests/utils/vault-display.test.ts b/tests/utils/vault-display.test.ts
index e1bee7ced..f3d0f6513 100644
--- a/tests/utils/vault-display.test.ts
+++ b/tests/utils/vault-display.test.ts
@@ -1,6 +1,6 @@
 import { describe, expect, it } from 'vitest'
 
-import { formatMarketAvailability } from '~/utils/vault-display'
+import { formatMarketAvailability, getVaultUtilizationDelta, getVaultUtilizationDeltaActionLabel } from '~/utils/vault-display'
 
 describe('formatMarketAvailability', () => {
   it('formats unavailable, singular, and plural market counts', () => {
@@ -9,3 +9,65 @@ describe('formatMarketAvailability', () => {
     expect(formatMarketAvailability(2)).toBe('Yes in 2 markets')
   })
 })
+
+describe('getVaultUtilizationDelta', () => {
+  const vault = {
+    totalAssets: 1000n,
+    totalBorrowed: 160n,
+  }
+
+  it('returns the borrow amount needed to reach a higher utilization target', () => {
+    expect(getVaultUtilizationDelta(vault, 90)).toEqual({
+      amount: 740n,
+      direction: 'borrow',
+    })
+  })
+
+  it('returns the repay amount needed to reach a lower utilization target', () => {
+    expect(getVaultUtilizationDelta(vault, 10)).toEqual({
+      amount: 60n,
+      direction: 'repay',
+    })
+  })
+
+  it('returns none when the target matches current utilization', () => {
+    expect(getVaultUtilizationDelta(vault, 16)).toEqual({
+      amount: 0n,
+      direction: 'none',
+    })
+  })
+
+  it('clamps targets to the valid utilization range', () => {
+    expect(getVaultUtilizationDelta(vault, 120)).toEqual({
+      amount: 840n,
+      direction: 'borrow',
+    })
+    expect(getVaultUtilizationDelta(vault, -10)).toEqual({
+      amount: 160n,
+      direction: 'repay',
+    })
+  })
+})
+
+describe('getVaultUtilizationDeltaActionLabel', () => {
+  it('labels higher target utilization as borrow', () => {
+    expect(getVaultUtilizationDeltaActionLabel({
+      amount: 740n,
+      direction: 'borrow',
+    })).toBe('Borrow')
+  })
+
+  it('labels lower target utilization as repay', () => {
+    expect(getVaultUtilizationDeltaActionLabel({
+      amount: 60n,
+      direction: 'repay',
+    })).toBe('Repay')
+  })
+
+  it('labels matching target utilization as no change', () => {
+    expect(getVaultUtilizationDeltaActionLabel({
+      amount: 0n,
+      direction: 'none',
+    })).toBe('No change')
+  })
+})
diff --git a/utils/vault-display.ts b/utils/vault-display.ts
index 832ebeee1..f51dabfa5 100644
--- a/utils/vault-display.ts
+++ b/utils/vault-display.ts
@@ -1,40 +1,85 @@
-export const getVaultSupplyApy = (vault: any): number => {
-  if (!vault) return 0
-  if ('interestRates' in vault) return vault.interestRates.supplyAPY
-  if ('supplyApy1h' in vault) return vault.supplyApy1h ?? 0
-  return 0
+const asBigint = (value: unknown): bigint | null =>
+  typeof value === 'bigint' ? value : null
+
+const asRecord = (value: unknown): Record<string, unknown> | null =>
+  value && typeof value === 'object' ? value as Record<string, unknown> : null
+
+export const getVaultSupplyApy = (vault: unknown): number => {
+  const source = asRecord(vault)
+  if (!source) return 0
+
+  const interestRates = asRecord(source.interestRates)
+  if (typeof interestRates?.supplyAPY === 'number') return interestRates.supplyAPY
+  return typeof source.supplyApy1h === 'number' ? source.supplyApy1h : 0
 }
 
-export const getVaultBorrowApy = (vault: any): number => {
-  if (!vault || !('interestRates' in vault)) return 0
-  return vault.interestRates.borrowAPY
+export const getVaultBorrowApy = (vault: unknown): number => {
+  const source = asRecord(vault)
+  const interestRates = asRecord(source?.interestRates)
+  return typeof interestRates?.borrowAPY === 'number' ? interestRates.borrowAPY : 0
 }
 
-export const getVaultAvailableLiquidity = (vault: any): bigint => {
-  if (!vault) return 0n
-  if (typeof vault.totalAssets === 'bigint' && typeof vault.totalBorrowed === 'bigint') {
-    const totalAssets = vault.totalAssets as bigint
-    const totalBorrowed = vault.totalBorrowed as bigint
+export const getVaultAvailableLiquidity = (vault: unknown): bigint => {
+  const source = asRecord(vault)
+  if (!source) return 0n
+
+  const totalAssets = asBigint(source.totalAssets)
+  const totalBorrowed = asBigint(source.totalBorrowed)
+  if (totalAssets !== null && totalBorrowed !== null) {
     return totalAssets >= totalBorrowed ? totalAssets - totalBorrowed : 0n
   }
-  if (typeof vault.availableLiquidity === 'bigint') return vault.availableLiquidity as bigint
+  const availableLiquidity = asBigint(source.availableLiquidity)
+  if (availableLiquidity !== null) return availableLiquidity
   return 0n
 }
 
-export const getVaultUtilization = (vault: any): number => {
-  if (!vault) return 0
-  const totalAssets = typeof vault.totalAssets === 'bigint' ? vault.totalAssets as bigint : 0n
-  const totalBorrowed = typeof vault.totalBorrowed === 'bigint'
-    ? vault.totalBorrowed as bigint
-    : typeof vault.borrow === 'bigint'
-      ? vault.borrow as bigint
-      : 0n
+export const getVaultUtilization = (vault: unknown): number => {
+  const source = asRecord(vault)
+  if (!source) return 0
+
+  const totalAssets = asBigint(source.totalAssets) ?? 0n
+  const totalBorrowed = asBigint(source.totalBorrowed) ?? asBigint(source.borrow) ?? 0n
 
   if (totalAssets <= 0n || totalBorrowed <= 0n) return 0
 
   return Number(((Number(totalBorrowed) / Number(totalAssets)) * 100).toFixed(2))
 }
 
+export type VaultUtilizationDelta = {
+  amount: bigint
+  direction: 'borrow' | 'repay' | 'none'
+}
+
+export const getVaultUtilizationDeltaActionLabel = (delta: VaultUtilizationDelta | null | undefined): string | null => {
+  if (!delta) return null
+  if (delta.direction === 'borrow') return 'Borrow'
+  if (delta.direction === 'repay') return 'Repay'
+  return 'No change'
+}
+
+export const getVaultUtilizationDelta = (vault: unknown, targetUtilizationPercent: number): VaultUtilizationDelta | null => {
+  const source = asRecord(vault)
+  if (!source || !Number.isFinite(targetUtilizationPercent)) return null
+
+  const totalAssets = asBigint(source.totalAssets) ?? 0n
+  const totalBorrowed = asBigint(source.totalBorrowed) ?? asBigint(source.borrow) ?? 0n
+
+  if (totalAssets <= 0n) return null
+
+  const clampedPercent = Math.min(100, Math.max(0, targetUtilizationPercent))
+  const percentScale = 10_000n
+  const utilizationUnits = BigInt(Math.round(clampedPercent * Number(percentScale)))
+  const targetBorrowed = totalAssets * utilizationUnits / (100n * percentScale)
+
+  if (targetBorrowed > totalBorrowed) {
+    return { amount: targetBorrowed - totalBorrowed, direction: 'borrow' }
+  }
+  if (targetBorrowed < totalBorrowed) {
+    return { amount: totalBorrowed - targetBorrowed, direction: 'repay' }
+  }
+  return { amount: 0n, direction: 'none' }
+}
+
 export const formatMarketAvailability = (count: number) => {
   return count ? `Yes in ${count} ${count === 1 ? 'market' : 'markets'}` : 'No'
 }