Global Password Security OTP & MFA
How Often Should You Change Your Passwords in 2026
How often should you change your passwords in 2026? The answer isn’t a fixed calendar. Instead, follow evidence of compromise and strong hygiene to keep accounts safe while avoiding unnecessary rotations.
TL;DR
- Do not rotate passwords on a strict schedule unless there is a breach.
- Use a password manager and enable MFA on all critical accounts.
- Change passwords immediately if leaked or compromised.
Why use strong password hygiene
Strong password hygiene reduces risk of credential stuffing and phishing. A unique password per service plus MFA greatly lowers chances of unauthorized access. For trusted guidelines, see NCSC password guidelines and Wikipedia: Password.
How to manage password changes safely
- Enable multi-factor authentication (MFA) on all accounts that support it.
- Use a reputable password manager to store unique passwords.
- Avoid reusing passwords across sites and services.
- Immediately change passwords if you suspect a breach or see suspicious activity.
- For sensitive accounts (banking, email), review security settings regularly.
- Keep devices free of malware and update software to reduce risk.
Rotation frequency vs risk (quick table)
| Scenario | Recommended action |
|---|---|
| No breach, MFA enabled | No routine changes; monitor risk |
| Breached or leaked password | Change immediately and review other accounts |
| High-risk services (banking) | Strengthen controls; consider periodic checks |
| New device compromise risk | Change affected passwords |
Safe and legal use
Always comply with service terms and privacy policies. Use password managers responsibly and never store passwords in plain text.
FAQ
- Do I need to change my password every 90 days?
Not necessarily. Change when there is evidence of compromise or when a policy requires it. - What makes a password strong?
Long, unique, and unpredictable with a mix of character types; consider a password manager to help. - Is MFA enough to protect my accounts?
MFA greatly improves security, but use unique passwords and monitor breaches. - How do I know if my password was breached?
Watch breach notices and use breach-alert services to stay informed. - Why should I use a password manager?
It stores unique passwords securely and generates strong ones, reducing reuse. - What should I do if I forget a password?
Use a recovery process and then generate a new password with a trusted tool.