Do you store my numbers?

No. Each calculator runs locally.

Is this tax or lending advice?

No. Arithmetic with documented assumptions on each page.

Fintomat / Credit Rating Guide

Finance · Calculators · Runs in your browser. Nothing is sent to a server.

What usually moves a FICO-style score — not a real score.

This page explains score factors. It cannot produce a FICO number.

Results appear here.

Type the problem — numbers, a formula, or the loan fields.

Press Calculate. The answer is computed on this page.

Use the explanation, chart or schedule to check the result.

What usually moves a FICO-style score — not a real score. Figures stay in this browser. Not professional advice.