Standard Normal Model Calculator

Standard Normal Distribution Calculator :root { –primary-blue: #004a99; –success-green: #28a745; –light-background: #f8f9fa; –dark-text: #333; –border-color: #dee2e6; } body { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; line-height: 1.6; background-color: var(–light-background); color: var(–dark-text); margin: 0; padding: 20px; display: flex; flex-direction: column; align-items: center; } .loan-calc-container { background-color: #ffffff; padding: 30px; border-radius: 8px; box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05); width: 100%; max-width: 700px; margin-bottom: 30px; } h1, h2 { color: var(–primary-blue); text-align: center; margin-bottom: 20px; } .input-group { margin-bottom: 18px; display: flex; flex-direction: column; align-items: flex-start; } label { display: block; margin-bottom: 8px; font-weight: 600; color: var(–dark-text); } input[type="number"], input[type="text"] { width: calc(100% – 20px); padding: 10px; border: 1px solid var(–border-color); border-radius: 4px; font-size: 1rem; box-sizing: border-box; /* Include padding and border in the element's total width and height */ } input[type="number"]:focus, input[type="text"]:focus { border-color: var(–primary-blue); outline: none; box-shadow: 0 0 0 3px rgba(0, 74, 153, 0.2); } button { background-color: var(–primary-blue); color: white; border: none; padding: 12px 20px; border-radius: 5px; font-size: 1.1rem; cursor: pointer; width: 100%; transition: background-color 0.3s ease; margin-top: 10px; } button:hover { background-color: #003366; } #result { margin-top: 25px; padding: 20px; background-color: var(–success-green); color: white; text-align: center; border-radius: 5px; font-size: 1.4rem; font-weight: bold; min-height: 60px; display: flex; align-items: center; justify-content: center; box-shadow: 0 2px 8px rgba(40, 167, 69, 0.4); } #result span { font-size: 1.6rem; } .explanation { max-width: 700px; margin-top: 30px; background-color: #ffffff; padding: 30px; border-radius: 8px; box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05); } .explanation h2 { color: var(–primary-blue); text-align: left; margin-bottom: 15px; } .explanation p, .explanation ul { color: var(–dark-text); margin-bottom: 15px; } .explanation strong { color: var(–primary-blue); } .explanation code { background-color: #e9ecef; padding: 2px 5px; border-radius: 3px; font-family: Consolas, Monaco, 'Andale Mono', 'Ubuntu Mono', monospace; } /* Responsive adjustments */ @media (max-width: 600px) { .loan-calc-container, .explanation { padding: 20px; } h1 { font-size: 1.8rem; } #result { font-size: 1.2rem; min-height: 50px; } #result span { font-size: 1.4rem; } }

Standard Normal Distribution Calculator

Calculate probabilities (area under the curve) for a standard normal distribution (Z-distribution).

P(Z < z) – Area to the Left P(Z > z) – Area to the Right P(z1 < Z < z2) – Area Between Two Z-Scores

Understanding the Standard Normal Distribution

The Standard Normal Distribution, often denoted by the letter Z, is a special case of the normal distribution. It has a mean ($\mu$) of 0 and a standard deviation ($\sigma$) of 1. This distribution is fundamental in statistics because any normal distribution can be transformed into a standard normal distribution using a technique called standardization. This allows us to use a single standard table (the Z-table) or calculator to find probabilities for any normally distributed variable.

The probability associated with a Z-score represents the area under the standard normal curve up to, beyond, or between certain Z-score values. The total area under the curve is always 1.

The Z-Score Formula

A Z-score measures how many standard deviations a particular data point (X) is away from the mean ($\mu$) of its distribution. The formula for calculating a Z-score is:
Z = (X - μ) / σ
Where:

  • Z is the Z-score
  • X is the raw score or data point
  • μ (mu) is the mean of the population distribution
  • σ (sigma) is the standard deviation of the population distribution

When we talk about the "Standard Normal Distribution Calculator", we are generally working with pre-calculated Z-scores or using this calculator to find probabilities directly from Z-scores, assuming a mean of 0 and a standard deviation of 1.

How this Calculator Works

This calculator utilizes the Cumulative Distribution Function (CDF) of the standard normal distribution. The CDF, often denoted as $\Phi(z)$, gives the probability that a standard normal random variable Z is less than or equal to a specific value z, i.e., P(Z ≤ z).

  • Area to the Left (P(Z < z)): This is the direct output of the CDF, $\Phi(z)$. It represents the proportion of the distribution that falls below the given Z-score.
  • Area to the Right (P(Z > z)): Since the total area under the curve is 1, the area to the right of a Z-score is calculated as 1 - P(Z < z), or 1 - Φ(z).
  • Area Between Two Z-Scores (P(z1 < Z < z2)): This is calculated by finding the area to the left of the second Z-score (z2) and subtracting the area to the left of the first Z-score (z1). The formula is P(Z < z2) - P(Z < z1), or Φ(z2) - Φ(z1).

Implementing the CDF accurately often involves approximations or numerical integration methods, as there isn't a simple closed-form elementary function for it. This calculator uses a common and accurate approximation method.

Use Cases

The standard normal distribution and Z-scores are used extensively in:

  • Hypothesis Testing: Determining the statistical significance of results.
  • Confidence Intervals: Estimating a range of plausible values for a population parameter.
  • Quality Control: Monitoring processes and identifying deviations.
  • Risk Management: Assessing the probability of certain financial outcomes.
  • Data Analysis: Understanding the distribution and variability of data.

By calculating these probabilities, we can make informed decisions and draw meaningful conclusions from data.

// Based on the approximation of the standard normal CDF (Φ(x)) // This is a common approximation using the error function (erf) // Φ(x) = 0.5 * (1 + erf(x / sqrt(2))) // Source for erf approximation: Abramowitz and Stegun, Handbook of Mathematical Functions, Eq. 7.1.26 function erf(x) { var a1 = 0.254829592; var a2 = -0.284496736; var a3 = 1.421413741; var a4 = -1.453152027; var a5 = 1.061405429; var p = 0.3275911; var sign = 1; if (x < 0) { sign = -1; x = -x; } var t = 1.0 / (1.0 + p * x); var y = 1.0 – (((((a5 * t + a4) * t) + a3) * t + a2) * t + a1) * t * Math.exp(-x * x); return sign * y; } function standardNormalCdf(z) { if (isNaN(z)) return NaN; return 0.5 * (1 + erf(z / Math.SQRT2)); } function calculateProbability() { var zScoreInput = document.getElementById("zScore"); var zScore2Input = document.getElementById("zScore2"); var probabilityTypeSelect = document.getElementById("probabilityType"); var resultDiv = document.getElementById("result"); var z1 = parseFloat(zScoreInput.value); var z2 = parseFloat(zScore2Input.value); // May be NaN if not visible/filled var type = probabilityTypeSelect.value; // Clear previous result resultDiv.innerHTML = ''; // Input validation if (isNaN(z1)) { resultDiv.innerHTML = "Please enter a valid Z-Score."; resultDiv.style.backgroundColor = "#dc3545"; // Error color return; } var prob; var formattedProb; if (type === "left") { prob = standardNormalCdf(z1); } else if (type === "right") { prob = 1 – standardNormalCdf(z1); } else if (type === "between") { if (isNaN(z2)) { resultDiv.innerHTML = "Please enter a valid second Z-Score (z1) for 'between' calculation."; resultDiv.style.backgroundColor = "#dc3545"; // Error color return; } // Ensure z1 is the smaller value for logical consistency, though math works either way var lowerZ = Math.min(z1, z2); var upperZ = Math.max(z1, z2); prob = standardNormalCdf(upperZ) – standardNormalCdf(lowerZ); } // Check for calculation errors if (isNaN(prob) || prob 1) { resultDiv.innerHTML = "Calculation error. Please check inputs."; resultDiv.style.backgroundColor = "#dc3545"; // Error color } else { // Format probability to a reasonable number of decimal places formattedProb = prob.toFixed(6); // Adjust decimals as needed resultDiv.innerHTML = 'P = ' + formattedProb + ''; resultDiv.style.backgroundColor = "var(–success-green)"; // Reset to success color } } // Function to toggle visibility of the second Z-score input function toggleZ2Input() { var selectElement = document.getElementById("probabilityType"); var z2InputGroup = document.getElementById("z2InputGroup"); if (selectElement.value === "between") { z2InputGroup.style.display = "flex"; // Use flex to match parent alignment } else { z2InputGroup.style.display = "none"; } } // Add event listener to the select element document.getElementById("probabilityType").addEventListener("change", toggleZ2Input); // Initial call to set correct visibility on page load toggleZ2Input();

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