Identity Theft Risk Score Calculator
Estimate your identity theft risk score (0–100) based on your digital habits, security practices, and data exposure. A higher score indicates greater risk.
Formula
Total Risk Score (0–100) = Breach Score + Behavior Score
Breach Score (0–20) = min(number of known breaches, 20) × 1
Behavior Score (0–80) = (Sum of 9 behavioral factor scores / 27) × 80
Each behavioral factor is rated 0 (best practice) to 3 (highest risk).
The 9 factors are: Password Reuse, MFA Usage, Social Media Privacy, Public Wi-Fi Habits,
Credit Monitoring, Phishing Awareness, Mail/Document Shredding, SSN Sharing Habits, Device Security.
Risk Tiers:
0–20 = Low Risk | 21–40 = Moderate-Low | 41–60 = Moderate | 61–80 = High | 81–100 = Very High
Assumptions & References
- Breach exposure data is self-reported; use HaveIBeenPwned.com to check your actual breach count.
- Behavioral weights are derived from FTC identity theft risk frameworks and NIST SP 800-63 digital identity guidelines.
- Password reuse is one of the top contributing factors to account takeover (Verizon DBIR 2023: 86% of breaches involve stolen credentials).
- MFA reduces account compromise risk by 99.9% (Microsoft Security, 2019).
- A credit freeze at all three bureaus (Equifax, Experian, TransUnion) is the most effective tool against new-account fraud (FTC recommendation).
- This calculator provides an educational estimate only and does not guarantee actual risk levels. Consult an identity protection professional for personalized advice.
- Score is capped at 100 regardless of inputs exceeding maximum thresholds.