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
Calculate the factor and offset, then see score, odds and probability tables from a base score, base odds and PDO.
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.
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 converter
Convert Gini, AUC and KS for a credit score under the binormal model. Includes a reference table.
Credit scorecard swap set analysis
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 test
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.
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.
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.
Data source waterfall
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.
Fraud rule backtest
Test fraud rules on past applications and see fraud caught, good customers flagged and each rule's unique catches.
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.
Loan book risk segment finder
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 and goods price check
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.
Sales agent early default check
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 test
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-offs 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.
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.
Risk-based pricing calculator
See the rate each risk band needs for your target margin and which bands lose money at today's rate.
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.
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.
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.