
Cholesterol Explained: LDL, HDL and Triglycerides
Read your lipid panel without panic: what LDL, HDL and triglycerides mean, which LDL targets apply to your risk, and how to lower it with food and statins.
Estimate your 10-year risk of heart attack and stroke with the SCORE2 (2021) algorithm, calibrated to your region. The current European standard — from an ordinary lipid panel, no test kit needed.
Updated: August 17, 2026 · 🔒 Your data never leaves your browser
SCORE2 is the current European algorithm that estimates your chance of a heart attack or stroke in the next 10 years from five inputs: age, sex, smoking, blood pressure, and total and HDL cholesterol. The European Society of Cardiology calibrates it to four risk regions, so the same lab values give a higher figure in a high-risk country than a low-risk one. The model works for ages 40–69 without established cardiovascular disease, diabetes or kidney disease.
Sex
Smoking
The ESC classification by national CVD mortality. Pick the region that matches your country; most of Western Europe is low or moderate.
10-year risk of heart attack or stroke
Active risk-factor reduction is warranted; discuss target cholesterol and blood-pressure levels — and sometimes medication — with a doctor.
This is a screening estimate, not a diagnosis. The model does not apply to people with established cardiovascular disease, diabetes, chronic kidney disease or familial hypercholesterolaemia — their risk is assessed differently and is already high. Treatment decisions rest with a doctor.
SCORE2 takes five factors — age, sex, smoking, systolic blood pressure, total cholesterol and HDL cholesterol — and, using a model trained on more than 600,000 people, estimates the 10-year risk of a heart attack or stroke. The result is calibrated to your region: the same lab values give a different risk depending on the country's cardiovascular mortality.
Sex
Smoking
The ESC classification by national CVD mortality. Pick the region that matches your country; most of Western Europe is low or moderate.
10-year risk of heart attack or stroke
Active risk-factor reduction is warranted; discuss target cholesterol and blood-pressure levels — and sometimes medication — with a doctor.
This is a screening estimate, not a diagnosis. The model does not apply to people with established cardiovascular disease, diabetes, chronic kidney disease or familial hypercholesterolaemia — their risk is assessed differently and is already high. Treatment decisions rest with a doctor.
The category matters more than the raw percentage. The thresholds are tied to age: at 45 a 5% risk is already the high category, while at 65 it is still moderate, because absolute risk naturally rises with age and the same percentage in a younger person implies a faster climb.
| Age | Low to moderate | High | Very high |
|---|---|---|---|
| 40–49 | < 2.5% | 2.5–7.5% | > 7.5% |
| 50–69 | < 5% | 5–10% | > 10% |
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Three of the five factors are modifiable: smoking, blood pressure and cholesterol. Quitting smoking cuts cardiovascular risk faster than any drug — within a year it roughly halves. Controlling blood pressure and lowering LDL work together: the higher the baseline risk, the greater the absolute benefit of correcting them.
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A high estimated risk is not a verdict but a reason to discuss target cholesterol and blood-pressure levels — and possibly medication — with a doctor. A low risk is not a reason to forget lifestyle either: SCORE2 estimates the next 10 years, not a lifetime, and in a younger person even a low 10-year risk can mean a high lifetime one.
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SCORE2 does not apply to people with established cardiovascular disease, diabetes, chronic kidney disease or familial hypercholesterolaemia: in all of these the person already sits at high or very high risk, and a general chart only misleads. For ages 70 and over, the separately calibrated SCORE2-OP model is used.
The probability of a fatal or non-fatal cardiovascular event — heart attack or stroke — over the next 10 years. It is a risk estimate for a person without established CVD, not a diagnosis. SCORE2 replaced the older SCORE chart: it now counts non-fatal events and includes HDL cholesterol.
The European Society of Cardiology groups countries into four regions by cardiovascular mortality and calibrates the model to each — low, moderate, high and very high. The same lab values produce a higher estimated risk for someone in a high-risk region than in a low-risk one. Pick the region that matches your country.
The thresholds depend on age. Under 50: below 2.5% is low-to-moderate, 2.5–7.5% high, above 7.5% very high. Ages 50–69: below 5% low-to-moderate, 5–10% high, above 10% very high. The same percentage is more concerning at a younger age because it implies a higher lifetime risk.
Total cholesterol and HDL cholesterol — a standard lipid panel available at any lab. Plus a measured systolic (upper) blood pressure and whether you smoke. Nothing needs to be purchased.
See a doctor. At high and very high risk, the discussion usually goes beyond lifestyle to lowering LDL cholesterol with medication and controlling blood pressure to target. A clinician decides on treatment with the full picture; the calculator only shows the scale of the risk.
People under 40 or over 69 (the separate SCORE2-OP model covers older adults), and anyone with established cardiovascular disease, diabetes, chronic kidney disease or familial hypercholesterolaemia. Their risk is assessed differently and is already high — SCORE2 does not apply.

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