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Crypto lending / borrowing calculator

Post collateral, borrow against it, and see the numbers that keep you from getting liquidated: your loan-to-value, a health factor (above 1 is safe), how far the collateral can fall before the liquidation threshold, how much more you could still borrow, and the yearly interest.

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Need Current LTV, Health factor, Max collateral drop, Still borrowable, Yearly interest? The Crypto lending / borrowing calculator derives it from Collateral value, Amount borrowed, Liquidation threshold (LTV %), Borrow APR (%) in one step. For instance, with Collateral value = $10,000.00, Amount borrowed = $4,000.00, Liquidation threshold (LTV %) = 80 and Borrow APR (%) = 6 it returns Current LTV = 40%, Health factor = 2 and Max collateral drop = 50%.

How to use it

  1. Enter your values: Collateral value, Amount borrowed, Liquidation threshold (LTV %), Borrow APR (%).
  2. Read the result instantly: Current LTV, Health factor, Max collateral drop, Still borrowable, Yearly interest.

Frequently asked questions

How does the Crypto lending / borrowing calculator work?

It takes Collateral value, Amount borrowed, Liquidation threshold (LTV %) and Borrow APR (%) and derives Current LTV, Health factor, Max collateral drop, Still borrowable and Yearly interest from them. The calculation is live as you type, so the result updates on every change.

Which values does the calculator ask for?

4 values: Collateral value ($), Amount borrowed ($), Liquidation threshold (LTV %) and Borrow APR (%). Nothing else is required — no account, no file upload.

What does a typical calculation look like?

With Collateral value = $10,000.00, Amount borrowed = $4,000.00, Liquidation threshold (LTV %) = 80 and Borrow APR (%) = 6, the calculator returns Current LTV = 40%, Health factor = 2 and Max collateral drop = 50%. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

How much does the result change with different inputs?

It moves a lot. Using Collateral value = $20,000.00, Amount borrowed = $8,000.00, Liquidation threshold (LTV %) = 160 and Borrow APR (%) = 6.6 instead, Health factor goes from 2 to 4 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Collateral value = $5,000.00, Amount borrowed = $2,000.00, Liquidation threshold (LTV %) = 40 and Borrow APR (%) = 5.4, Health factor comes out at 1. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Comparing two investments that pay at different times, deciding whether a project clears its cost of capital, and sanity-checking a valuation someone else produced.

What is the most common mistake?

Trusting a valuation without asking what share of it comes from the terminal value. Past 70%, the answer is an assumption about the distant future dressed up as a calculation.

How accurate is it, and what are the limits?

Estimate only — not financial or tax advice. Exchange formulas vary.

What is the difference between the Crypto lending / borrowing calculator and the Crypto DCA calculator?

This one returns Current LTV and Health factor; the Crypto DCA calculator returns Purchases and Total invested. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

Crypto market cap calculator is the closest one after this: Market cap is price times circulating supply; fully diluted valuation uses the max supply instead. The gap between them — how much supply is still to be unlocked — is often the real story, so it shows the circulating share too. Also answers the reverse: the price implied by a target market cap.

Further reading

All guides →
ExplainerWhat Is Slippage in Crypto? Price Impact, Tolerance and What It CostsPrice impact is arithmetic: on a constant-product pool it equals your trade size divided by the reserve plus your trade. Here is the formula, a table of trade size against impact, and why the setting called slippage tolerance changes none of it.ComparisonCrypto Market Cap vs Trading Volume: What Each Number Can and Cannot Tell YouMarket cap is price times circulating supply — an arithmetic product, not money invested. Volume is what actually changed hands. Here is what each measures, how their ratio exposes a thin market, and where fully diluted valuation fits.GuideYield Farming: What an Advertised APY Actually PaysThe number on the farm's front page is a gross figure before every subtraction. Here is a 120 percent APY walked down, one layer at a time, to the 33.6 percent that actually landed — plus why APR and APY are not the same number.ExplainerHow Staking Rewards Actually Work: Nominal Rate, Compounding, and What Eats ItAn advertised 8 percent becomes 8.33 percent once daily rewards compound — and then 7.46 percent after a 10 percent validator commission, and less again after unbonding time. Here is each step, with the arithmetic laid out.ExplainerImpermanent Loss Explained: What Providing Liquidity Really CostsImpermanent loss is not a fee and it is not temporary: it is the gap between your liquidity position and simply having held the two tokens. Here is the formula, a table of price change against loss, and the fee income you would need to come out ahead.ExplainerVolatility Is Not Risk, and the Square Root of Time Is a ChoiceAnnualised volatility = period standard deviation × √(periods per year), and that √t scaling assumes independent increments. It is a model, not arithmetic: at a daily autocorrelation of 0.1 a 60 percent annualised figure should read 66.3. The payload is volatility drag — the arithmetic mean exceeds the geometric by about σ²/2, so at 8 percent average return and 40 percent volatility the compound outcome is zero.