Register
Login

Splendi Score Lab

Try Splendi Score Lab for FREE

Simulate your score. See the impact before you act.

Try for free
Illustrative Splendi Score Lab simulator, Premium view, showing a current score of 742 and a potential score of 754 after settling a store account

Plan it. Budget towards your goal.

Included in Premium: R49.99 per month (incl. VAT). Cancel anytime.

Try the simulator
Illustrative Splendi Budget Plan showing monthly income, expenditure, surplus and spending categories

Ask anything. Your personal AI Assistant, ready to assist.

Included in Premium: R49.99 per month (incl. VAT). Cancel anytime.

Try the simulator
Illustrative chat with the Splendi AI Assistant explaining how closing a credit card can affect a credit score
Illustrative Splendi Score Lab credit score simulator, Premium view, with sample accounts and actions

Simulate your credit score to see how each financial action can affect your score before you make a move.

Illustrative Splendi budget plan, Premium view, showing how long it takes to save for a simulated scenario

Budgeting Tool

Turn your plan into numbers.

Included in Premium: R49.99 per month (incl. VAT). Cancel anytime.

Illustrative Splendi AI Assistant chat explaining credit utilisation

AI Assistant

Get answers and guidance whenever you need them.

Included in Premium: R49.99 per month (incl. VAT). Cancel anytime.

Step 1

Simulate the action you’re considering.

Step 2

Plan for it with the budgeting tool.

Included in Premium

Step 3

Ask your AI Assistant for help along the way.

Included in Premium

Don’t just see your score. Improve it.

Try for free

Frequently asked questions

Splendi Score Lab is a set of tools in Splendi that help you see where your credit score is heading and plan how to improve it. It includes a credit score simulator, a budgeting tool and an AI Assistant. Splendi Score Lab is powered by XDS.

Choose an action on one of your accounts, such as settling it, closing it or changing the credit limit, or simulate opening a new credit account. The simulator shows whether that action could move your score up, down or keep it the same, before you make a move. Not every action changes your score.

No. A simulation is an estimate inside Splendi. It isn’t a credit application and isn’t reported to a credit bureau.

No. Simulated results are estimates that show the likely direction of your score. Your actual score depends on the information credit providers report, so it can differ.

The budgeting tool is included in Premium. Upload a recent bank statement and it groups your income and spending into categories. It then shows how much you could set aside each month and roughly how long it could take to cover the cost of your simulated scenario.

Yes. The Score Lab simulator is free and shows whether each action could move your score up, down or keep it the same. Premium costs R49.99 per month (incl. VAT) and adds the points change for each simulation, the budgeting tool and the AI Assistant. You can cancel anytime. To start, register at app.splendi.co.za/register.

Splendi Score Lab shows you where your score is heading and helps you improve it. Powered by XDS.