Regulatory calculators and checkers
Small tools for the calculations regulated firms actually do — capital requirements, classification tests, format validation. Every one runs entirely in your browser, stores nothing, and shows the Article it applies. Free, with no account and no sales call.
48 tools · browser-side · nothing stored · source referenced throughout
Prudential — IFR / IFPR
The Pillar 1 chain, in the order you would work it. Each tool feeds the next.
SNI classifier
Test all nine conditions to see whether you are small and non-interconnected — and if not, whether the change takes effect immediately or after three months.
Test classification →Which returns must I file?
For investment firms the answer is determinate: Annex I quarterly for non-SNI, Annex III annually for SNI, plus the derogation templates. Includes the reference and remittance dates fixed by the regulation.
Work out your returns →Fixed overheads requirement
Work out your FOR from last year’s expenses across all fourteen deduction lines, with the working shown — and flags for the deductions supervisors most often challenge.
Calculate FOR →Own funds requirement
Compare the permanent minimum requirement, the fixed overheads requirement and your K-factor total, see which one binds, and get the liquidity requirement alongside it.
Calculate requirement →Own funds composition
Three cumulative floors — CET1 at 56%, Tier 1 at 75%, total at 100%. Holding enough capital in the wrong form is still a breach, and this tells the two apart.
Check composition →Liquidity requirement
One third of the FOR plus 1.6% of client guarantees, with the Article 43(3) receivables cap and 50% haircut applied where your permissions allow it.
Calculate requirement →K-COH calculator
Client orders handled, weighted at 0.1% for cash and 0.01% for derivatives — with the six-month measurement window, and its three-month exclusion, spelled out.
Calculate K-COH →K-AUM calculator
Assets under management at 0.02%, on a fifteen-month window less the three most recent — plus the delegation rule that pulls assets in when you delegate out.
Calculate K-AUM →K-ASA calculator
Assets safeguarded and administered at 0.04%, on a daily window — and a delegation rule that works the opposite way to K-AUM.
Calculate K-ASA →K-CMH calculator
The only K-factor that prices the same balance two ways — 0.4% segregated, 0.5% not. Shows what the split is costing you.
Calculate K-CMH →RtC K-factor requirement
Adds K-AUM, K-CMH, K-ASA and K-COH into one requirement, and shows which factor is actually driving it — rarely the one with the biggest balance.
Calculate RtC →K-DTF calculator
Daily trading flow at two coefficients a factor of ten apart, on a six-month average drawn from a nine-month window. Includes the stressed-market adjustment and the interest rate duration factor.
Calculate K-DTF →Prudential — UK MIFIDPRU
The UK regime shares the EU structure but differs in substance. Tested separately for that reason.
UK SNI classifier
Tests the MIFIDPRU conditions including the dealing-on-own-account permission test, the two-year revenue average and the group anti-avoidance rule — none of which mirror the EU regime.
Test classification →UK fixed overheads requirement
Fourteen deduction lines including the UK-only 80% own-account clearing rule, plus the material change tests — where an increase is immediate and a decrease needs FCA permission.
Calculate UK FOR →UK own funds requirement
The three-way test on UK terms, with permanent minimum bands that turn on permissions and OTF limitations rather than a simple client-money question.
Calculate UK requirement →UK basic liquid assets requirement
One third of the FOR plus 1.6% of client guarantees, with the trade receivable constraints applied properly — the MIFIDPRU cap bites against the fixed-overheads component alone and never against the guarantee part.
Calculate the requirement →UK K-DTF requirement
Two coefficients a factor of ten apart, on a six-month average drawn from a nine-month window with the newest three months dropped. Includes the stressed-market coefficient and the interest rate duration adjustment.
Calculate K-DTF →UK K-AUM calculator
0.02% of average AUM on the same fifteen-month window as the EU. The base differs: tied agent amounts in, corporate finance advice out.
Calculate →UK K-ASA calculator
0.04% of assets safeguarded and administered. MiFID business only, tied agents included, money market fund holdings counted in CMH instead.
Calculate →UK K-CMH calculator
Both coefficients match the EU. Segregation is defined by MIFIDPRU 4.8.8R, and a CASS 7 breach moves the balance to the higher rate.
Calculate →UK K-COH calculator
The same unusual window as the EU: six months less the three most recent, leaving only three months of daily values.
Calculate →Operational resilience — DORA
Contractual and scoping checks for ICT third-party risk.
Critical or important function test
No official list exists, so every firm self-assesses. Work through all three limbs of the definition and get back a reasoning trail you can build a documented determination on.
Assess a function →LEI validator
Paste a whole column of LEIs and check ISO 17442 structure and MOD 97-10 check digits at once, with duplicate detection. Catches the transcription errors that stop a register submission.
Validate LEIs →Contract clause checker
Check an ICT contract against the nine clauses every arrangement needs, plus the six more required where it supports a critical or important function. Returns a prioritised gap list.
Check a contract →Major incident classification
A primary gate, then at least two materiality criteria — never one, however severe. Returns the classification and the reporting clock that follows it.
Classify an incident →Digital assets — MiCA, CARF
Threshold and scoping checks for token issuers and crypto-asset service providers.
Issuer threshold checker
Three thresholds doing three different things: one starts quarterly reporting, one moves your supervisor to the EBA, and one requires you to stop issuing. Tested together.
Assess a token →COREPRU / CRYPTOPRU scoping
Which of the four UK cryptoasset rulebooks reach your entity, and which modules your authorisation application will need. Final rules, with the figures that changed between consultation and PS26/12 flagged where they bite.
Map the rulebooks →CRYPTOPRU permanent minimum
Five amounts by activity, and the rule people get wrong: with several permissions the PMR is the highest applicable, not the sum. Compares against your fixed overheads requirement.
Calculate the PMR →CRYPTOPRU K-factor mapper
Which K-factors apply, at what coefficient, and which three cannot be reduced to a percentage at all. Flags the K-QCS to K-RCS rename, where the base widened as well as the label.
Map K-factors →CARF and DAC8 scope test
Two gateways decide whether you report: are you a Reporting CASP, and is the asset a Relevant Crypto-Asset. Obligations began 1 January 2026.
Test scope →Reportable transaction classifier
Which of the four CARF reporting buckets a transaction falls into. Includes the distinction most summaries miss: a merchant payment above USD 50,000 is a retail payment transaction when you act for the customer, and an ordinary transfer when you act for the merchant.
Classify a transaction →EBA reporting & structured data
Scoping and threshold checks for payment and messaging reporting.
CESOP threshold checker
More than 25 cross-border payments to one payee and every payment to them becomes reportable. Works out scope, count and which PSP actually files.
Check a payee →IBAN validator
Paste a column of IBANs and check country lengths and MOD 97-10 check digits at once, with duplicate detection. No bank or registry lookup is made.
Validate IBANs →Template code explorer
Which of the 52 templates actually need codes — 31 do, 21 do not — every coded field with its report and column, and the permitted values behind all 168 code lists.
Explore templates →Taxonomy release migration
What arrived between your current release and your target: new template codes and dimensional items, release by release. Introductions only — and the tool is explicit that withdrawals are the half it cannot show.
Compare releases →COREP validation rule decoder
Look up a rule and see what actually matters: only 467 entries are errors, 650 are inactive and 151 are absent from the taxonomy. One click filters to the set that can genuinely reject a filing.
Look up a rule →FINREP validation rules
4,929 entries for 2,492 rules. Only 197 are errors and 177 are cross-module — the highest cross-module count of any framework.
Look up a rule →IF validation rules
630 entries for 348 rules under the investment firm framework. 57 errors, 89 inactive.
Look up a rule →REM validation rules
615 entries, but only 11 errors and 194 inactive — and 69 cross-module, high for its size.
Look up a rule →ESG validation rules
507 entries, every one a warning. Nothing here can reject a filing; the rules show where the supervisor looks.
Look up a rule →Pillar 3 validation rules
All 545 entries are inactive in the 4.4 list. Published as a record, not a live constraint.
Look up a rule →Tax transparency
Classification and format checks for the data that gets filings rejected at the door.
Global TIN format validator
Validate the structure of a Tax Identification Number across 111 countries — length, allowed characters and the check digit where one exists. Most public tools cover the EU only.
Validate a TIN →GIIN format validator
Paste a column of GIINs and check all four blocks against the IRS composition rules, including the category and type cross-check. Decodes each code back to category and jurisdiction.
Validate GIINs →CRS entity classification
Financial Institution, Active NFE or Passive NFE — the first field on every self-certification, and the one most often wrong. Returns the reasoning, not just the answer.
Classify an entity →Controlling persons identifier
Who has to be identified behind a Passive NFE. Runs the three-tier ownership and control cascade for companies, and the fixed role list for trusts — where the settlor, trustees, protector and beneficiaries all count whether they control anything or not.
Identify controlling persons →Reportable jurisdictions lookup
Exchange relationships are directed, not mutual. See who a jurisdiction reports to, who reports back, and the 2,027 relationships that run one way only — with the legal instrument for each.
Look up a jurisdiction →ASP CRS reassessment
The OECD 2025 amendment counts remuneration for your relevant activities even when it is paid to another entity. Reassess, see what the change did, and draft the notification the Tax Department requires.
Reassess an entity →DAC7 scope test
The under-30-sales exclusion covers goods only — services and rentals have no floor at all. Tests the platform and the seller separately.
Test scope →Three things that apply to every tool here
These are not lead magnets with a form in front of them. They work, they are free, and they end where honest calculation ends.
Nothing leaves your browser
Every calculation runs on your own machine. Nothing you enter is sent to REGREP, written to a log, saved, or passed to analytics. Reload the page and it is gone.
The source is always named
Every threshold, coefficient and deduction shows the Article it comes from, and each tool carries the date its rules were last reviewed by a person.
Indicative, never a verdict
Each tool says plainly what it does not do. None of them produces a filing, and none of them replaces the judgement the rules require of you.
More tools are in preparation
We are building these out framework by framework, starting with the calculations our own customers ask about most. If there is a check you do by hand every quarter and would rather not, tell us — that is genuinely how this list gets ordered.
- K-DTF, K-NPR and K-CON
- UK liquid assets and K-factors
A number is not a filing
These tools compute. The platform monitors, versions and files — and there is a free tier on every module, so you can prove it on your own data before paying anything.
Monitoring, not snapshots
Capital and liquidity requirements must be met at all times. A quarterly spreadsheet tells you where you were, not where you are.
Versioned against the taxonomy
Reports stay reproducible against the framework version they were built for, so a resubmission of a prior period does not silently move.
Validated before it leaves
Every output is checked against the relevant schema or taxonomy before you download it, with a validation report you can keep.
About the free tools
Are these tools really free?
Yes. There is no account, no email capture and no usage limit. They run in your browser and we never see what you enter.
Do you store the figures I enter?
No. Every tool calculates locally in your browser. Nothing is transmitted to REGREP, written to a log, saved to a database, or passed to analytics. Reloading the page clears everything.
Can I rely on the results for a filing?
No. Each tool produces an indicative figure and states plainly what it does not do. None of them produces something you can file, and none replaces the judgement the rules require.
How current are the rules behind them?
Each tool shows the date its rules were last reviewed by a person, alongside the Articles it applies. Where a point is genuinely unsettled, the tool says so rather than picking silently.
Can you build a tool for a calculation I do?
Tell us which one. The list is ordered by what customers ask about most, so a request genuinely moves it.
Prove it on your own data first.
Create a free account, activate the module for your obligation, and run a test on real files today. No card, no sales call.
No card required · free tier on core modules · nothing stored from these tools