Add value of one field to the value of another field

Add value of one field to the value of another field

Hello,

Can somebody explain to me how I can do the following:

We have a field called 'Credits Used' which is updated by our software whenever a credit is used and is set to 0 at the start of each month

We have a field called 'Max Credits' which holds the max credits allowed to be used by that user in that month

We have a field called '% Credits Left' which is a function field that calculates (Max Credits - Credits Used)/Max Credits*100

I have a workflow rule that once % Credits Left goes below 25 then it will automatically reset 'Credits Used' 

Before that happens - I want to add the value of 'Credits Used' to the value of the field called 'Total Credits Used'. 

How would I do that?