Crypto Loan LTV Calculator
Determine the maximum USD loan you can borrow against your crypto collateral. Enter your collateral amount, its current price, and the platform's LTV ratio to see your borrowing limit instantly.
About this calculator
Loan-to-Value (LTV) is the ratio of a loan to the value of the collateral securing it. In crypto lending, platforms cap how much you can borrow relative to your deposited assets to protect against price swings. The formula is: Loan Amount = collateralAmount × collateralPrice × (ltvPercent / 100). For example, if a platform offers 50% LTV, you can borrow up to half the dollar value of your collateral. Most platforms also set a liquidation LTV — a higher threshold at which your collateral is automatically sold to repay the loan. Keeping your actual LTV well below the liquidation level acts as a safety buffer against market volatility.
How to use
Suppose you deposit 2 ETH as collateral, ETH is priced at $2,000, and the platform's LTV is 50%. Step 1 — Calculate collateral value: 2 × $2,000 = $4,000. Step 2 — Apply LTV: $4,000 × (50 / 100) = $2,000 maximum loan. If the liquidation LTV is 80%, your loan would be liquidated when your $2,000 loan equals 80% of your collateral value, meaning ETH would need to fall to $1,250 before your position is at risk.
Frequently asked questions
What is a good LTV ratio for a crypto-backed loan?
Most crypto lending platforms offer LTV ratios between 25% and 70%, with conservative borrowers typically staying at 50% or below. A lower LTV gives you more buffer before reaching the liquidation threshold. During periods of high market volatility, a 25–35% LTV is often recommended to avoid forced liquidation from sudden price drops.
How does the liquidation LTV work in crypto loans?
The liquidation LTV is the maximum ratio at which the platform will automatically sell your collateral to repay the loan. For instance, if your liquidation LTV is 80% and your loan value approaches 80% of your collateral's current market value, the platform triggers a liquidation event. This protects the lender but can result in you losing your collateral even if prices later recover. Setting a borrowing LTV far below the liquidation threshold reduces this risk.
What happens to my crypto loan if the collateral price drops sharply?
A sharp price drop increases your effective LTV because the same loan now represents a larger percentage of your collateral's reduced value. If the LTV rises to the liquidation threshold, the platform sells your collateral to recover the loan principal. To avoid this, borrowers can deposit additional collateral or partially repay the loan to bring the LTV back down. Monitoring your LTV continuously during bear markets is essential.