Free tools for the people who run credit and fraud decisions
Each tool answers one question a risk team works on, using your numbers or file. Files are read in the browser.
Credit decisions and scorecards
See how well a scorecard ranks, how its points scale, where the cut-off goes and how long a champion and challenger test runs.
Scorecard Gini, KS and PSI calculator
Calculate Gini, KS, PSI and bad rate by band from your CSV. The file stays in your browser.
Scorecard scaling calculator
For scorecard scaling, the factor is points to double odds ÷ ln(2), and the offset is base score − factor × ln(good odds at base score).
Credit score cut-off calculator
Find the most profitable approval cut-off from your score bands and see what a bad-rate ceiling costs.
Champion challenger test calculator
See how many loans and months a champion challenger test needs, and whether a finished test's difference is real.
Credit model sample size calculator
See the degrees of freedom your bads carry, and how many variables and bins they buy in logistic regression, scorecards, splines, MARS and gradient boosting.
Decision table checker
Check a decision table for gaps, overlapping rows and missing values. Get test cases with the outcome each should return.
Credit limit calculator
Calculate a credit limit for each risk band from affordability and risk, and see which bands lose money on today's limits.
Credit card limit calculator by income and market
Choose from 22 markets to calculate an applicant’s or cardholder’s credit limit and see the logic.
Weight of evidence and information value calculator
Calculate weight of evidence and information value per bin from goods and bads, or upload a file and let the calculator bin it.
Population stability index calculator
Calculate the population stability index for a score or characteristic. See each bin’s part and how big the shift is.
Altman Z-score calculator
Calculate the Altman Z-score for public, private or non-manufacturing companies over up to three years, with the zone for each year.
Business loan DSCR calculator
See the debt service coverage ratio with a new loan, the largest loan your minimum allows and how far income can fall.
Gini calculator for credit scoring
Calculate a score’s Gini coefficient and AUC from bands of goods and bads, then view the ROC curve.
KS statistic calculator for credit scoring
Calculate the Kolmogorov-Smirnov statistic from score bands of goods and bads, and see where the gap peaks.
Gini to KS and AUC calculator
Convert Gini, AUC and KS for a credit score under the binormal model. Includes a reference table.
Credit scorecard swap set calculator
See how applications move between score bands from the current to the new scorecard, as a share of the portfolio, plus swap-ins and swap-outs at your cut-off.
Approval rate and bad rate calculator
See the bad rate at any approval rate across your score's cut-offs, and compare what a new score changes.
PD calibration calculator
Test each rating grade's PD against observed bads with the Jeffreys and binomial tests, plus portfolio and Hosmer-Lemeshow results.
Debt-to-income affordability calculator
Check debt-to-income and the largest affordable loan under your DTI, buffer and rate-stress rules.
Bank statement cash flow calculator
See monthly regular income, housing, debt payments, bills and what is left from an applicant’s bank transactions. The file stays in your browser.
NCA affordability calculator for South Africa
Calculate Reg 23A affordability in South Africa with minimum expense norms, discretionary income and NCA rate and fee caps.
Loan-to-value calculator for lenders
Calculate LTV, combined LTV and the largest loan under your collateral limits. See the effect of a price-fall stress.
Loss given default calculator
Calculate workout LGD from collateral, the forced-sale haircut, sale costs, recovery timing and a discount rate.
Manual review capacity calculator
See how many analysts a referral rate needs, the queue it adds each day, and the highest rate your team can carry.
Data and fraud
Check data value and source order, compare decline with review, find linked applications and test fraud rules.
Alternative data calculator
Use your own numbers to see whether an alternative data source pays for credit decisions.
Credit data source comparison calculator
Compare four ways to call two data sources in credit decisions. See which earns the most per month on your numbers.
Fraud check value calculator
Check whether a fraud check pays on your numbers, then compare declining every flag with sending every flag to manual review.
Fraud link analysis tool
Link applications through shared phones, emails and devices. See clusters around known fraud in your browser.
Duplicate check for triggered loans
Colour repeated phones, ID numbers and employers in a file of triggered loans. See linked loans grouped, including repeats across columns.
Fraud rule backtest calculator
Test fraud rules on past applications and see fraud caught, good customers flagged and each rule's unique catches.
Hard check bad rate calculator
Use past application outcomes and rule flags to see which rules merit KO, investigation or leaving out, and how KO changes the bad rate.
Chargeback ratio calculator
See your chargeback ratio by month against your acquirer’s thresholds, and how many chargebacks keep you under the limit.
Benford's law calculator for credit decisions
Test whether amounts follow Benford's law, see which leading digits stand out and get a fit score.
Fraud score threshold calculator
Find the fraud score cut-off that saves the most, with precision, catch rate and a confusion matrix.
False decline cost calculator
In a minute, compare monthly false-decline cost with fraud stopped and see the break-even false-positive rate.
Early payment default calculator
Calculate the early payment default rate by channel, see which channels run hot and what closing them would stop.
Bad rate by loan segment calculator
Find application segments with a bad rate above the book’s that chance does not explain. Compare stores, channels and customer groups in your browser.
Store velocity analysis
See stores with application volume jumps against peers month on month and year on year, plus new stores, all in your browser.
Loan amount vs goods price calculator
Find stores where loan amounts run above goods' prices far more often than elsewhere. Check your file in the browser.
Store risk ranking tool
Rank stores by bad rate, volume jumps and loans above price. Compare three checks in your browser to see which stores to review first.
Early default rate calculator for sales agents
Find sales agents, stores or regions with loans defaulting in the first installments far more than elsewhere. Check the file in your browser.
Fraud velocity rule calculator
Test phone, email, device or IP velocity rules on past applications. Compare known bads caught with known goods stopped in your browser.
Fraud score cut-off calculator by segment
Compare one fraud score cut-off with cut-offs by channel or product. See fraud caught, good customers flagged and net in your browser.
Fraud loss forecast calculator
Complete recent fraud losses for late confirmations, then forecast coming months from your cases in your browser.
GPS distance calculator
Calculate the distance in metres between two GPS positions by the haversine formula, for one pair or a file checked against a trigger, in your browser.
Fraud rate calculator
Calculate fraud rate by count and value in basis points, detection rate and false positive ratio from your own numbers.
Free BIN lookup
Free BIN lookup for a card’s brand, debit or credit, card level, issuing bank and country from its first 6 to 8 digits. Look up one BIN or up to 100.
Free IP address lookup
Look up the registered country, network ASN and organisation for any IPv4 or IPv6 address, including your own. Check one address or up to 100 for free.
Email risk check
Get an email address risk score from domain age, mail records, and disposable and free provider lists.
Free IBAN checker
Check whether an IBAN is valid, with its country, bank and BIC where listed. Free checks for one IBAN or up to 100, in your browser.
Browser fingerprint test
See the device fingerprint your browser gives away, from canvas, audio, WebGL, fonts and screen. Learn how fraud teams read each detail. Free.
Persistent tracking test
Try a free persistent tracking test. Store one test ID in browser data, including ETags and cache, then see what remains after clearing cookies.
Portfolio and profitability
See how loans go bad over time, how arrears roll, what a loan earns and the expected credit loss.
Loan vintage curve calculator
Get vintage curves of 30 or 90 days past due by months on book from a loan list CSV. The file stays in your browser.
Loan roll-rate calculator
Get a roll-rate matrix, roll chain and cure rates from a monthly loan status CSV. The file stays in your browser.
Loan profitability calculator
See the profit of one installment loan after loss to sales, funding and acquisition, plus its break-even default rate.
Early loan payoff calculator
Estimate how much a customer pays to pay off an instalment loan early, including interest, fees and the saving against remaining instalments.
Risk-based pricing calculator
See the rate each risk band needs for your target margin and which bands lose money at today's rate.
Break-even interest rate calculator
Calculate the lowest interest rate that covers defaults, cost of funds and running costs, and see what your current rate earns.
BNPL merchant fee calculator
Calculate the lowest merchant fee that covers a buy now, pay later product’s losses, funding and costs. See what your current fee earns.
Expected loss calculator
Calculate expected loss from PD, LGD and EAD by segment and for the book. See how a PD and LGD stress changes the result.
Expected credit loss calculator
Calculate 12-month and lifetime expected credit loss by stage from PD, LGD and exposure, with weighted scenarios.
Days past due calculator
Calculate days past due, the delinquency bucket, late fee and penalty interest, and the amount owed now for a late loan payment.
Collections cure rate calculator
Compare cure rates by treatment and bucket, find each bucket’s best treatment after cost, and see its monthly value.
Net charge-off rate calculator
Calculate the annualised net charge-off rate for your book and each segment, and see which segments run above your appetite.
Provision coverage ratio calculator
Calculate NPL coverage, reserve ratio and years of charge-offs covered by segment, plus the shortfall to your target.
Provision matrix calculator
Get provisioning coefficients for each delinquency bucket from a transition matrix, plus the provision for each bucket.
Collection efficiency calculator
Calculate collection efficiency by month, including and excluding arrears, and see which months fall below your target.
Collection effectiveness index calculator
Calculate the collection effectiveness index (CEI) by month from receivables, with days sales outstanding and months below target.
In-house vs outsourced collections calculator
Compare monthly net recovery for in-house collections and an agency, and see the volume where in-house starts to pay.
Debt sale calculator
Compare selling a debt portfolio with keeping and collecting in today’s money. See the lowest price worth taking.
Debt recovery curve calculator
Calculate recovery rates by months since charge-off and project recovery still to come from a payments file. The file stays in your browser.
Interest income calculator
Calculate interest income on a loan or book by year, with net interest income and margin after funding.
APR calculator
Calculate a loan’s APR from its interest rate and fees. Get the monthly repayment, total amount payable and representative example to copy.
Effective interest rate calculator
Calculate a loan’s effective interest rate from its fees, costs and payments, with interest income and amortised cost by year.
Interest rate cap checker
Check a loan rate against the published cap in 63 countries, with each cap’s source and last-checked date.
Collections strategy calculator
See which delinquency buckets get calls, SMS or a collection agency, and the expected recovery from your cure rates and agent capacity.
Trade credit and receivables
Track DSO and overdue invoices alongside payment terms, customer credit limits, deposits, bad debt reserves and credit insurance.
Days sales outstanding calculator
Calculate days sales outstanding from receivables and credit sales, with best possible DSO and average days delinquent.
Early payment discount calculator
Calculate the annual cost of an early payment discount such as 2/10 net 30, and see whether it pays at your cost of capital.
Business customer credit limit calculator
Calculate a business customer’s credit limit from orders and payment terms, capped by net worth, working capital and credit insurance.
Allowance for doubtful accounts calculator
Calculate the allowance for doubtful accounts from receivables aging, and see the bad debt expense to book.
Bad debt sales calculator
Calculate how much new sales it takes to earn back an invoice written off as bad debt at your profit margin.
Customer security deposit calculator
See the most a customer billed in arrears can owe before service stops and the security deposit that covers the amount above what you carry.
Rolling reserve calculator
Calculate how much a rolling reserve holds once full and compare it with chargebacks, refunds and goods not yet delivered.
Trade credit insurance calculator
See whether the cover pays for itself at your bad debt rate, its yearly cost beyond expected claims, and what it saves if your largest customer fails.
Questions we get asked
Are the risk tools free?
Yes. Every tool is free and needs no account.
Does a file leave the browser?
Files are read in the browser and never uploaded. If you email the result, the email carries the numbers and counts.
Who are these tools for?
They are for people who run credit and fraud decisions in lending and fintech. The tools cover credit decisions, scorecards, data and fraud.
Can I save or share a tool's result?
The numbers travel in the page's link. You can email the result; the email carries numbers and counts, never a file's contents.
What can I do after a tool gives me a result?
Turn the result into a rule that runs with the business rules engine. You can then run that rule on live applications.
Turn a result into a running policy
After a tool, run the policy it points to on live applications.