Validate Password Policy — Check NIST & OWASP Compliance

Check passwords against NIST SP 800-63B guidelines, PCI-DSS v4.0 requirements, and corporate policies. Build custom policies or use industry presets. Test overall strength too.

Understanding Password Policies

Different standards have different requirements. Here's what each policy checks.

NIST SP 800-63B

Recommended
  • Minimum 8 characters (12+ recommended)
  • Maximum 64+ characters allowed
  • All ASCII characters permitted
  • No arbitrary complexity rules
  • No periodic password changes
  • Check against breached password lists

Modern approach: length > complexity. Use passphrases for easy compliance.

Traditional Corporate

Legacy
  • Minimum 8 characters
  • At least 1 uppercase letter
  • At least 1 lowercase letter
  • At least 1 number
  • At least 1 special character
  • ! Often requires 90-day rotation

NIST now discourages complexity rules—they lead to predictable patterns like "Password1!"

PCI-DSS v4.0

Payment Card
  • Minimum 12 characters (or 8 with MFA)
  • Numeric and alphabetic characters
  • Change every 90 days (if no MFA)
  • Cannot reuse last 4 passwords
  • Account lockout after 10 failures

Required for businesses handling credit card data.

Our Recommendation

Best Practice
  • Use 4+ word passphrases (easy & secure)
  • Or 16+ random characters
  • Unique password per account
  • Use a password manager
  • Enable 2FA everywhere possible
  • Change only if compromised

Test your password with our strength checker for full analysis.

NIST Modern vs Traditional Policies

See how evidence-based NIST guidelines differ from outdated corporate rules.

Traditional Policy

  • Require complexity

    Upper, lower, number, symbol required

  • Force 90-day rotation

    Change password every quarter

  • Short maximum length

    Often limited to 16-20 characters

  • Password hints allowed

    Hints reveal password structure

Result: Users create Password1!Password2!Password3!

NIST SP 800-63B

  • No complexity rules

    Focus on length over character types

  • No forced rotation

    Change only if compromised

  • Allow 64+ characters

    Support passphrases

  • Check breach lists

    Block known compromised passwords

Result: Users create correct-horse-battery-staple (memorable & secure)

Industry Compliance Requirements

Different industries have specific password policy mandates.

Standard Min Length Complexity Rotation Industry
NIST SP 800-63B 8 chars Not required Only if compromised US Government
PCI-DSS v4.0 12 chars (8 w/ MFA) Alpha + numeric 90 days (w/o MFA) Payment processing
HIPAA 8 chars (recommended) Not specified Risk-based Healthcare
SOC 2 8 chars Multiple types Periodic SaaS / Cloud
GDPR Not specified "Appropriate" Not specified EU data handling

Frequently Asked Questions

The Evolution of Password Policy

Password policies have evolved dramatically over the past decade. What was once considered "best practice"—forcing complexity and regular rotation—is now known to weaken security. Understanding this evolution helps organizations implement policies that actually work.

The Problem with Complexity Rules

When users are forced to include uppercase, lowercase, numbers, and symbols, they don't create random passwords. Instead, they find the most memorable way to satisfy the rules: capitalize the first letter, add a number at the end, append a symbol. The result is predictable patterns like Password1! that appear in every password cracking dictionary.

Research by Microsoft and NIST found that complexity requirements actually reduce password diversity. When everyone follows the same formula (Word + Number + Symbol), attackers only need to test that pattern. Our pattern analyzer reveals these weaknesses.

Why Forced Rotation Fails

90-day password rotation seemed logical: if a password is compromised, limiting its lifespan limits damage. But NIST research revealed the opposite effect. Users faced with constant changes resort to incremental modifications: Spring2024 becomes Summer2024 becomes Fall2024. Attackers exploit these patterns easily.

Modern Policy Recommendations

Today's evidence-based approach focuses on what actually improves security: length over complexity, checking against breach databases, supporting password managers, and requiring 2FA where possible. A 20-character passphrase of random words is both more secure and more usable than an 8-character complex password.