Crypto loan calculator
CryptoKeyhole’s crypto loan calculator shows the loan-to-value of a loan backed by your coins, how far the price can fall before the margin call and before liquidation, and what the interest adds over the term.
- Margin call below
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- Liquidation below
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- Interest over the term
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- Liquidation with interest added
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How it works
The collateral value is the coins times the price; the LTV is the loan divided by it. The price at a threshold is the loan divided by (coins × threshold): below it, the LTV is over the line.
Interest is simple yearly interest on the loan for the term, added to the loan at the end, which raises every threshold price in the last row.
Questions
What is loan-to-value?
The loan divided by the value of the coins backing it. A 30,000 loan against 100,000 of bitcoin is 30% LTV; if the price halves, it becomes 60%.
When do a margin call and liquidation happen?
When the LTV rises to the lender’s thresholds: at the margin call you are asked to add coins or repay, at liquidation the lender sells collateral. The calculator finds the coin price at which each is reached.
What thresholds do lenders use?
They differ by lender and coin. Many centralised lenders call margin around 70% to 80% and liquidate around 80% to 90%; on-chain markets liquidate at the asset’s own threshold. Use your lender’s figures.
Does interest change the risk?
Yes, slowly: unpaid interest adds to the loan, so the LTV creeps up even if the price stands still. The final line shows the loan with a term’s interest added.
Prices filled from CryptoKeyhole’s daily closes; lender thresholds are yours to enter. Not advice.