Crypto Loan Calculator
See how much you can borrow against your crypto, where your position would be liquidated, and what it costs — then jump straight to the best platforms for your collateral.
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Understanding liquidation risk
When you borrow against crypto, your collateral has to stay worth enough to cover the loan. Each platform sets a liquidation threshold — an LTV (often around 80–90%) at which it will automatically sell your collateral to repay the debt. Because crypto prices are volatile, the gap between your starting LTV and that threshold is your safety buffer.
Borrowing at a lower LTVgives your collateral more room to fall before liquidation. Borrowing near the maximum maximizes cash today but leaves little margin — a modest price drop can wipe out the position and crystallize losses plus fees. The calculator's risk indicator flags this: green below 50%, amber from 50–70%, and red above 70%.
To stay safe, many borrowers keep a comfortable buffer, monitor their loan, and are ready to add collateral or repay if prices fall. Treat the liquidation price above as a line you want to stay well away from, not a target.
Frequently asked questions
How is the maximum borrow amount calculated?+
It's your collateral's USD value multiplied by the loan-to-value (LTV) you select. At 50% LTV, $100,000 of collateral lets you borrow up to $50,000. Lower LTVs leave more room before liquidation.
What is the liquidation price?+
It's the collateral price at which your loan reaches the platform's liquidation threshold (modeled here at 85% LTV). If the market price falls to that level, the platform sells enough collateral to repay the loan. A bigger gap between today's price and the liquidation price means a safer position.
Why is the payment shown as interest-only?+
Most crypto-backed loans are interest-only and open-ended: you pay interest while the loan is open and repay the principal in full when you close it. The monthly figure here is the annual interest divided across twelve months.
Are these rates exact?+
No. Rates and liquidation thresholds vary by platform, collateral, loan size, and jurisdiction, and they change frequently. These figures are estimates to help you compare — always confirm current terms on the provider's site before borrowing.