How to Create a Strong Password (And Why Yours Probably Is Not)
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Length beats complexity, by a lot
Password strength is entropy — how many possibilities an attacker must search. Every extra character multiplies that search space, while adding a symbol to a short password barely moves it.
| Password | Length | Rough offline crack time |
|---|---|---|
P@ssw0rd | 8 | Instant — it is in every wordlist |
Tr0ub4dor&3 | 11 | Hours |
kj4$mR9x | 8 | Minutes |
kj4$mR9xLp2@vB7q | 16 | Beyond practical attack |
correcthorsebatterystaple | 25 | Beyond practical attack |
Generate one with no exploitable pattern using the password generator, which uses your browser’s cryptographic random source and never transmits anything.
Reuse is the actual risk
Billions of username and password pairs from past breaches are freely downloadable. Attackers replay them automatically across hundreds of other sites — credential stuffing — and it works because most people reuse passwords.
The strength of your password is almost irrelevant if a site stored it badly and you used it elsewhere. A unique password per site means one breach exposes exactly one account. This single change protects you more than any amount of added complexity.
Check which of your credentials have appeared in breaches at Have I Been Pwned.
Use a password manager
Nobody can remember forty unique sixteen-character passwords, and any system depending on it fails. A password manager stores them encrypted behind one strong master password and fills them automatically.
The security benefit people miss is anti-phishing: a manager fills credentials only on the exact domain it saved them for. It will not fill your bank password on a lookalike site, which makes it a real defence rather than merely a convenience.
Bitwarden is free and open source; 1Password, KeePassXC and the browser-built-in managers are all reasonable. Any of them beats a notebook or a spreadsheet.
Passphrases for the few you must memorise
You need to remember perhaps three passwords: your device login, your password manager master password, and your email. For those, four or five genuinely random words are both strong and memorable.
The word "random" is doing the work. Words you choose yourself cluster around common vocabulary and personal associations. Words chosen by dice or software do not. A five-word Diceware passphrase gives roughly 64 bits of entropy — comparable to a well-made twelve-character random password, and far easier to type on a phone or TV remote.
Rules that make passwords worse
- Forced 90-day rotation. Both NIST and the UK NCSC now advise against it, because it pushes people to
Summer2026!thenAutumn2026!. Change a password when there is a reason to. - Maximum length limits. A site capping passwords at 12 characters is often storing them in a way that should worry you.
- Blocking paste. This actively discourages password manager use, making passwords weaker.
- Security questions. Your mother’s maiden name and first school are frequently public. Treat the answers as second passwords and store random strings in your manager.
- Mandatory symbol rules that push everyone to end passwords with
!— an entirely predictable pattern.
Beyond passwords
- Turn on two-factor authentication everywhere it is offered — it stops a stolen password being enough on its own.
- Prefer an authenticator app or hardware key to SMS. SIM-swap attacks make text messages the weakest second factor, though SMS still beats nothing.
- Adopt passkeys where available. They replace passwords with a device-held cryptographic key that cannot be phished, and are now supported by Google, Apple, Microsoft and a growing list of services.
- Protect your email above everything. Whoever controls your email can reset every other account you own.
Frequently asked questions
How long should a password be?
At least 16 characters for anything important, and 20 or more for email, banking and your password manager master password. Length contributes far more strength than added symbols.
Are passphrases as secure as random passwords?
Yes, provided the words are genuinely random rather than chosen by you. Five random words give roughly the strength of a twelve-character random password and are much easier to type.
How often should I change my passwords?
Only when there is a reason — a breach notification, a shared device, or suspicion of compromise. Scheduled expiry is now advised against by NIST and the UK NCSC because it produces predictable variations.
Are password managers safe?
Far safer than the alternative. They encrypt your vault locally with a key derived from your master password, and even a breach of the provider does not expose your passwords. The realistic risk is forgetting the master password, not the provider being hacked.
Is it safe to use an online password generator?
Only one that generates locally in your browser with no network request — which you can verify in developer tools. Never use a generator that sends a request to a server to produce your password.
Free tools for this
Everything above, worked out for your own numbers in a few seconds.
Related guides
This guide is general information from ToolNest, not financial, legal or tax advice. Figures are estimates based on the assumptions stated and current at the time of writing. For decisions that matter, speak to a qualified professional in your own country.