Desktop App · 100% Local · Zero Code

Risk modeling software
powered by AI agents

From raw data to validated scorecards without writing a single line of code. Calibr's AI agents handle data management, characteristic analysis, model development, and documentation. Everything runs locally on your machine.

Download for FreeSee how it works
Calibr — Characteristic Analysis
CalibrWORKSPACEDashboardData ManagementExplorationCharacteristic AnalysisModel DevelopmentScorecard BuilderMonitoringReportscredit_risk_v2.147 variables · 125k recordsBinning SummaryWoE AnalysisIV RankingCorrelation MatrixAgent ActiveInformation Value0.342StrongVariables Selected47/ 64Gini Coefficient0.542+3.2%Total Records125krowsWoE Distribution — age7 bins · IV: 0.342 · Monotonic: Yes0.400.200.00-0.20-0.4018-25-0.3825-3030-3535-4040-4848-5555++0.36VARIABLETYPEIVBINSCORRWoE TRENDSTATUSagenumeric0.3427—Selectedincome_monthlynumeric0.28750.12Selectedcredit_utilizationnumeric0.25160.08Selectedmonths_employednumeric0.12440.31Reviewemployment_typecategorical0.09830.05PendingShowing 5 of 64 variables · 47 selected · 12 pending review · 5 excluded
Trusted by risk teams at
FinServ CorpCapital OneHSBCDiscoverTransUnion
The Platform

Everything you need to build
production-ready risk models

Like having a senior data scientist working alongside you — except they never sleep and they run entirely on your machine.

AI agents that actually do the work
Not a chatbot. A real agent that understands your data, suggests transformations, runs binning strategies, and walks you through model development step by step.
Automated characteristic analysis
Optimal WoE binning, IV calculation, correlation resolution, and VIF analysis — fully automated with manual override capability when expert judgment is needed.
Model development and scorecards
Logistic regression and tree-based models trained side by side. One-click scorecard generation with scaling configuration, cutoff simulation, and population shift analysis.
Total data privacy, always
Everything runs on your machine. Like PyCharm or VS Code — but built for credit risk and data science. No cloud. No uploads. No compromises on data sovereignty.
Characteristic Analysis PipelineRunning2m 14sPIPELINE STEPSProfiling dataset12,847 rows · 64 colsAnalyzing variables47 of 64 selectedRunning WoE binning32 of 47 variables04Correlation resolutionVIF + pairwise checks05Generating IV summaryRank + export reportAwaiting your approvalHuman-in-the-loopCURRENT OUTPUTWoE Distribution — AgeIV: 0.342018-2425-3031-3738-4546-5556-6565+0.342Information ValueStrong7Optimal BinsMonotonic32/47Variables ProcessedAGENT LOG14:32:08 Optimal bins for credit_util: 6 bins, IV=0.25114:32:11 Binning age — testing monotonicity constraints...14:32:14 ✓ age: 7 bins, IV=0.342, monotonic WoE confirmed
Agentic AI

Your AI copilot
for every step

The agent understands credit risk workflows natively. Ask it to profile your data, recommend binning strategies, or explain model coefficients — it executes, not just advises.

Runs analysis and generates results directly
Suggests transformations tailored to your dataset
Bring your own API key — data stays local
credit_applications.csvComplete12,847 rows · 64 columnsDATA QUALITY87%Score3 warnings · 2 suggestionsCOLUMN TYPES38 Numeric14 Categorical8 DateTime4 BooleanMissing Values2.4%Duplicates0.1%High Cardinality3 colsCompleteness97.6%COLUMN PROFILESagenumericMean42.3Std Dev12.7Missing0.2%Unique58Cleanincome_monthlyfloatMean4,872Std Dev3,214Missing1.8%Outliers23 (0.2%)Outliers detectedemploy_statuscategEmployed62%Self-emp24%Retired8%Other6%Missing0%Unique6Cleancredit_utilfloatMean0.47Std Dev0.28Missing3.1%Range0.0 – 1.0Clean
Data Management

Import, profile,
and transform

Upload CSV, Excel, or Parquet. Get instant statistical profiling — distributions, missing value analysis, data quality scores — with AI-suggested cleaning pipelines.

Drag and drop any tabular data format
Auto-generated profiling and quality metrics
Visual transformation pipeline builder
Model Comparison — credit_risk_v2Trained2 models · 47 featuresMODEL PERFORMANCELogistic RegressionSelectedGini0.542KS0.387AUC0.77112 significant coefficients · p < 0.05XGBoostRunner-upGini0.561KS0.401AUC0.781Higher Gini but less interpretable for regulatorsSCORECARD — LOGISTIC REGRESSIONVariableBin RangeWoECoefficientPointsBarage56 – 65+0.710.84278income_monthly> 6,000+0.580.63464credit_util0.0 – 0.2+0.440.52152months_employed> 48+0.360.41841BASE SCORE500 + offset735/ 850 max
Model Development

Train, compare,
and generate scorecards

Run logistic regression and tree-based models side by side. Pick the winner, then generate a production scorecard with point allocation in one click.

Side-by-side model comparison with full metrics
One-click scorecard with scaling and cutoff simulation
SHAP explainability and coefficient significance
Model Monitoring — credit_risk_v2.1StableLast updated: 2h agoHEALTH METRICSPSI0.04/ 0.10StableGini0.528/ 0.542-2.6%KS Statistic0.342/ 0.387-11.6%Calibration0.97H-L pGood fitPSI TREND — 12 MONTHS0.100.05MarMayJulSepNovJanFebCALIBRATIONPredicted ProbabilityObservedRECENT ALERTSFeb 14 KS degraded to 0.342 (-11.6% from baseline). Review recommended.Feb 01 Monthly stability check passed. All metrics within thresholds.Jan 15 Calibration H-L test: p=0.97. Model well-calibrated across all deciles.
Monitoring

Track stability
and catch drift early

Continuous monitoring of discrimination, calibration, and population stability. Get alerted before your model degrades — not after.

PSI, Gini, KS, and calibration tracked over time
Automatic alerts when metrics breach thresholds
Regulatory-ready validation reports with one click
How It Works

Six integrated steps
replace your entire toolchain

No more Excel, SAS, R scripts, and PowerPoint stitched together. One platform, one workflow, AI-assisted end to end.

01
Import and Profile
Upload datasets and get instant statistical profiling — distributions, missing values, and data quality metrics with AI-suggested cleaning steps.
02
Explore and Transform
Interactive EDA with automatic correlation detection and outlier flagging. AI agent recommends transformation pipelines tailored to your dataset.
03
Bin and Optimize
Automated optimal WoE binning with IV tracking, correlation resolution, and VIF analysis. Full manual override when expert judgment is needed.
04
Train and Compare
Logistic regression and tree-based models trained side by side with full coefficient analysis, SHAP explainability, and performance metrics.
05
Scale and Deploy
Convert models to production scorecards with point allocation, cutoff simulation, scenario comparison, and population shift analysis.
06
Validate and Document
Comprehensive validation with discrimination, calibration, and stability testing. Auto-generated documentation ready for regulatory review.
Why Calibr

Replace months of manual work
with one integrated workflow

Stop stitching together fragmented tools and scripts. Start shipping validated models in days, not quarters.

Traditional Process
Excel, SAS, R Scripts, months of work
With Calibr
AI-Powered, local, integrated
Manual binning in spreadsheets
Automated WoE binning with AI suggestions
Copy-paste between Excel, SAS, Python
Single integrated workflow, start to finish
No version history or audit trail
Full project versioning and audit logging
Validation done separately, if at all
Built-in discrimination, calibration and stability tests
Weeks of documentation and approval
AI-generated documentation, one-click export
Data uploaded to cloud vendors
100% local — data never leaves your machine
Pricing

Start free.
Scale when you're ready.

Full core workflow from day one. No feature gates on the fundamentals.

Starter
Free
No credit card required
  • Full modeling workflow
  • Data profiling and EDA
  • WoE binning and IV analysis
  • Logistic regression
  • Scorecard generation
  • Community support
Download Free
Professional Popular
$49/mo
Per seat, billed annually
  • Everything in Starter
  • AI Agent (bring your own key)
  • XGBoost and LightGBM
  • SHAP explainability
  • Advanced validation suite
  • Auto-generated documentation
  • Priority support
Get Professional
Enterprise
Custom
Volume pricing available
  • Everything in Professional
  • Team collaboration
  • Regulatory compliance templates
  • SSO and audit logging
  • Custom model frameworks
  • Dedicated onboarding
  • SLA and priority support
Contact Sales
Get Started

Ready to build better models?

Download Calibr for free. macOS, Windows, and Linux. No account required.

Download for macOS
Also available for Windows and Linux
macOS
macOS 12+
Windows
Windows 10+
Linux
Ubuntu 22.04+
8 GB RAM · 500 MB disk space