Crypto Loan LTV & Liquidation Calculator
Borrowing against your crypto? Enter your collateral, its price, your loan, and the liquidation LTV to find your liquidation price and how far the price can fall before it. No signup, runs entirely in your browser.
Your position is liquidated if the coin price falls to about $31,250, where your loan reaches 80% of the collateral value. Keep a wide buffer — volatile collateral can hit the liquidation price fast, and platforms may add fees. Adding collateral or repaying lowers your LTV.
How the Crypto Loan Calculator Works
- 1Enter the amount of collateral (coins) and its current price.
- 2Enter the loan amount you are borrowing against it.
- 3Enter the platform's liquidation LTV threshold (often 75–85%).
- 4Read your liquidation price, current LTV, and price-drop buffer.
Worked Example: Borrowing Against 1 BTC
You post 1 BTC worth $60,000 as collateral and borrow $25,000, on a platform that liquidates at an 80% LTV. Your current LTV is 25,000 ÷ 60,000 = 42% — comfortably below the threshold. Liquidation price = 25,000 ÷ (1 × 0.80) = $31,250. That means Bitcoin would have to fall from $60,000 to $31,250 — a drop of about 48% — before your position is liquidated.
Now see how borrowing more shrinks that safety margin: take a $40,000 loan instead and the liquidation price jumps to 40,000 ÷ 0.80 = $50,000, so a mere 17% drop wipes you out. This is the core risk of crypto-backed loans — a higher loan means a liquidation price much closer to today's market. Borrow conservatively, keep a wide buffer, and be ready to add collateral or repay if the price falls.
Borrowing Safely Against Crypto
Keep LTV low
A conservative LTV puts a wide gap between today's price and your liquidation price. The lower you borrow, the more volatility you can survive.
Volatile collateral, wider buffer
Highly volatile coins can fall to the liquidation price fast. The more volatile the collateral, the more room you should leave.
Have a top-up plan
Decide in advance at what price you will add collateral or repay. Reacting calmly beats scrambling during a sharp drop.
Account for interest
Interest increases your debt over time, nudging your LTV up even if the price is flat. Leave a margin for it.
Know the penalty
Liquidations usually carry a fee on top of selling at a bad price. Getting liquidated costs more than just the collateral sold.
Watch oracle prices
Platforms liquidate based on their price oracle, which may differ briefly from the spot price you see. Do not cut the buffer too fine.
Frequently Asked Questions
What is LTV in crypto lending?
LTV (loan-to-value) is the size of your loan divided by the value of your collateral, as a percentage. If you borrow $25,000 against $60,000 of Bitcoin, your LTV is about 42%. Lending platforms set a maximum LTV you can borrow at and a higher liquidation LTV — if your LTV rises to that liquidation level (usually because your collateral falls in price), the platform sells your collateral to repay the loan.
How is the liquidation price calculated?
Liquidation happens when your loan reaches the liquidation LTV of your collateral value. Rearranging: liquidation price = loan amount ÷ (collateral quantity × liquidation LTV). As your collateral price falls toward this level, your LTV climbs; at the liquidation price it hits the threshold and the position is closed. The calculator also shows how far, in percent, the price can fall before that happens.
What happens if I get liquidated?
The platform sells enough of your collateral to repay the loan, and usually charges a liquidation fee or penalty on top. You keep any collateral left over, but you have effectively sold at a bad price and lost the fee. Liquidation is the outcome to avoid — it locks in a loss at the worst possible moment.
How do I avoid liquidation?
Borrow at a conservative LTV so there is a wide gap between your current price and the liquidation price. You can also add more collateral or repay part of the loan to lower your LTV as the price moves. Monitoring is essential with volatile collateral — a fast drop can reach the liquidation price in minutes.
Does this include interest and fees?
No. The calculator focuses on the price mechanics of LTV and liquidation. Real loans accrue interest that increases your effective debt over time, and liquidations carry penalties. Treat the liquidation price as a best-case threshold and keep an extra buffer for interest and fees.
Is my data stored anywhere?
No. All calculations run entirely in your browser. Nothing you enter is sent to a server or stored.