Interactive calculator

Scorecard scaling

Map a score to odds and implied PD from a stated base score, base odds, and points to double the odds (PDO).

Score scale inputs

Applicant score

Base score

Base good-to-bad odds

For example, 50 means 50 non-defaults per default at the base score.

Points to double the odds (PDO)

Convention: higher scores correspond to lower probability of default; the score is an illustrative scale conversion, not a fitted model.

Calculation

Implied probability of default

PD = 1 / (1 + good-to-bad odds)

Offset factor = PDO / ln(2) = 28.8539 points.
Implied good-to-bad odds = 50 × exp((600 − 600) / factor).
Score reconstructed from PD = 600.00.

0.019608

Educational illustration only. Check the model definition, portfolio data, model governance, and applicable accounting or regulatory requirements before operational use.