Qarar ECL Calculator

IFRS 9 Expected Credit Losses - fast, transparent, auditable

Run scenario-weighted ECL with explainable PD/LGD/EAD logic and discounting, right in your browser.

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Live ECL Preview

Adjust EAD, PD, LGD, term, discount rate, and scenario weights. Results update instantly.

Try it below
How to use the demo
  1. Set EAD, LGD%, PD%, and Term.
  2. Choose a Discount rate and toggle Lifetime (Stage 2 & 3) if needed.
  3. Adjust Upside/Base/Downside weights; we keep them totaling 100%.
Quick ECL

Plug values & scenario weights and see per-scenario and weighted ECL with discounting.

Sensitivity Preview

Visualize Upside/Base/Downside impacts. Weighting auto-normalizes to 100%.

View Chart
Resources

Access docs and guidance to integrate with your reporting flows.

Help Center
Inputs
Scenario weights Current total: 100%
Results
Upside ECL
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Base ECL
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Downside ECL
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Weighted ECL
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Discount factor: 0.000  ·  Term used: 1y
Illustrative only. Use your institution’s models, staging rules, and macro overlays in your full platform.
Accurate, explainable results

Transparent PD/LGD/EAD modeling, staging logic, macro scenarios, and overlays you can trace to the cell.

Deploy fast

Pre-built connectors and templates get you live in weeks, not quarters—without rewriting your models.

Audit-ready controls

End-to-end logging, versioning, and approvals satisfy internal audit and external regulators.

Data in, results out

Connect your core banking, data warehouse, or spreadsheets. Validate, map, and stage assets with configurable rules.

  • Batch or streaming ingestion
  • Data quality checks & lineage
  • Portfolio- and instrument-level results
Macro scenarios

Blend vendor and internal scenarios, with overlays and management adjustments—fully version-controlled.

  • Weighting & sensitivity analysis
  • What-if and shocks
  • Country & sector calibrations
Built for teams

Role-based workspaces for Risk, Finance, and Audit. Comment, review, and approve with a full audit trail.

  • Maker–checker workflows
  • Granular permissions
  • Exports to GL & reporting

Frequently Asked Questions

The preview is illustrative. The full platform supports institution-approved models, staging rules, overlays, and documentation to meet IFRS 9 requirements with audit-ready controls.

Use flat-file uploads, database connectors, or APIs. We include mapping templates and validation to reduce manual cleanup.

We offer multi-tenant SaaS, private cloud in your region, and on-prem options. All deployments include SSO, encryption at rest and in transit, and detailed access logs.

Yes. Export portfolio- and instrument-level ECL, sensitivities, and audit trails to CSV, Excel, or your GL system.