Scam Message Risk Grader Calculator

📖 Overview

Scam messages often share repeatable pressure signals.

This tool scores urgency link quality identity mismatch and payment requests into one risk output.

Use it to slow down and verify before clicking replying or paying.

Use these default and higher-pressure example inputs to explore how sensitive this calculator is before using your real numbers.

Grades likely scam intent from common social-engineering signals and payment coercion patterns.

The Formula

Risk Score = weighted(red-flag signals)

Urgency Flags	Pressure language designed to force instant action
Link Flags	Suspicious or mismatched URLs/domains
Identity Flags	Sender identity inconsistencies
Payment Flag	Direct request for payment/gift card/crypto transfer

💡Multiple strong red flags usually indicate scam behavior even when wording seems plausible.

Risk score	Signal strength	Recommended response
0-29	Low	Proceed with normal caution
30-54	Medium	Verify sender via trusted channel
55-74	High	Do not click links or transfer funds
75-100	Very high	Treat as scam and report/block

Use this tool when you need a fast decision during active planning or execution.
Use this before committing money, time, or tradeoffs that are hard to reverse.
Use this to compare options using the same assumptions across scenarios.

Results can be misleading if key inputs are missing, stale, or unrealistic.
Very small or very large values may amplify rounding effects and interpretation risk.
If assumptions change mid-decision, recalculate before acting.

💡 Never click payment links from urgent unsolicited messages.

💡 Verify identity via a trusted channel before acting.

💡 Assume urgency + payment + secrecy requests are hostile until proven otherwise.

❓ Does one red flag prove scam?

Not always, but multiple strong flags rapidly increase risk.

❓ Can this detect all scams?

No model is perfect; use it as structured caution support.