Password Breach Exposure Calculator

📖 Overview

Security posture is strongest at the weakest credential set.

This calculator converts common password hygiene signals into one exposure score for triage.

Use it to prioritize resets unique passwords and 2FA rollout by impact.

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

Estimates takeover exposure from password reuse, breach history, 2FA coverage gaps, and account criticality.

The Formula

Exposure Score = weighted(reuse, breaches, critical accounts, missing 2FA)

Reuse Groups	Credential reuse clusters across services
Breached Services	Known services with prior credential exposure
2FA Coverage	Share of accounts protected with strong second factor
Critical Accounts	Accounts with high financial/identity impact if compromised

💡Best first intervention is usually unique passwords + 2FA on high-impact accounts.

Score band	Risk level	Priority response
0-34	Low	Maintain hygiene checks
35-59	Moderate	Reduce reuse and patch 2FA gaps
60-79	High	Immediate credential reset program
80-100	Severe	Incident-style remediation sequence

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.

💡 Top fix: eliminate reuse and enable 2FA on high-impact accounts first.

💡 Use password manager-generated unique credentials per service.

💡 Review breach-monitor alerts monthly and rotate exposed credentials fast.

❓ Is this a breach detector?

No, it is a risk-scoring model based on your posture.

❓ Why does 2FA matter so much?

It significantly reduces account-takeover likelihood after password leaks.