Required collateral value \(V_c = \frac{\text{Loan}}{\text{Target LTV}}\). Borrowing power \(= V_c \times \text{Target LTV}\). Buffer to liquidation = \(1 - \frac{\text{Current LTV}}{\text{Liquidation LTV}}\). Health factor \(= \frac{V_c \times \text{Liquidation LTV}}{\text{Debt}}\). With price supplied, liquidation price \(P_{liq} = P_0 \times \frac{\text{Debt}}{V_c \times \text{Liquidation LTV}}\).
Your inputs run locally in the browser. No wallet connection, login, or transaction signing is required.
The calculator shows the LTV, collateral, liquidation, interest, and safer-LTV formulas it uses so you can check the math.
Crypto loan terms vary by platform, asset, oracle, fees, and liquidation rules. Verify venue-specific thresholds before borrowing.
Inputs: loan $5,000, ETH price $3,200, target LTV 50%, liquidation LTV 80%.
Steps: required collateral = $5,000 / 0.50 = $10,000. ETH units = $10,000 / $3,200 = 3.125 ETH. Liquidation price = $3,200 x 0.50 / 0.80 = $2,000.
Interpretation: the ETH position can absorb a 37.5% price drop before reaching the 80% liquidation LTV, before interest or fees.
Inputs: loan $10,000, BTC price $100,000, target LTV 40%, liquidation LTV 80%.
Steps: required collateral = $10,000 / 0.40 = $25,000. BTC units = $25,000 / $100,000 = 0.25 BTC. Liquidation price = $100,000 x 0.40 / 0.80 = $50,000.
Interpretation: starting at half the liquidation threshold gives a 50% price-drop buffer, but interest would slowly reduce that buffer.
Inputs: USDC collateral $12,000, target LTV 70%, liquidation LTV 90%.
Steps: maximum loan = $12,000 x 0.70 = $8,400. Health factor = $12,000 x 0.90 / $8,400 = 1.29.
Interpretation: stablecoin collateral has less price volatility, but depeg and platform risk still matter. Avoid assuming the price can never move.
| Range | Target LTV | Typical use case | Liquidation sensitivity | Suggested action |
|---|---|---|---|---|
| Conservative | 20% to 40% | Longer holding periods, volatile collateral, lower stress. | Large price-drop buffer if liquidation LTV is much higher. | Monitor regularly and account for interest. |
| Moderate | 40% to 60% | Shorter borrowing needs or assets with deeper liquidity. | Price swings can matter quickly during stressed markets. | Set alerts and know how much to repay or top up. |
| High risk | 60% to 80%+ | Maximum capital efficiency or short-term tactical borrowing. | Small price moves, interest, or fees can push LTV near liquidation. | Avoid max LTV, keep spare collateral, and verify platform limits. |
LTV means loan-to-value. It is outstanding debt divided by current collateral market value. A $5,000 loan backed by $10,000 of crypto collateral starts at 50% LTV.
Required collateral value equals loan amount divided by target LTV. A $5,000 loan at 50% LTV needs $10,000 of collateral before interest, fees, and platform-specific haircuts.
For a fixed debt and unchanged collateral quantity, liquidation price equals current collateral price multiplied by current LTV divided by liquidation LTV. The calculator also shows a fee-adjusted version when interest or fees are entered.
Collateral value falls, LTV rises, and the health factor moves closer to 1. If the platform threshold is reached, the platform may sell or seize collateral to repay the debt.
Add more collateral, repay part of the loan, choose a lower initial borrow amount, or use platform tools that automate top-ups or repayments.
Yes. Interest and fees increase debt, which raises LTV and can increase the liquidation price even if collateral price stays flat.
Stablecoin collateral usually has lower price volatility, but it still has depeg, issuer, smart contract, and platform risk. Use the exact LTV and liquidation limits for that asset.
Target LTV is your starting ratio. Liquidation LTV is the higher threshold where liquidation can occur. The gap between them is the price-drop buffer.
