Crypto Loan Calculator

Borrowing against coins without selling them: what you get, what it costs, and the price drop that takes your collateral. The third number deserves the most attention.

Collateral value

Borrow LTV

Borrow APR

Loan duration

Liquidation LTV

Results (live)

You can borrow$10,000

Interest over term$450

Collateral can drop37.5% before liquidation

Estimates only, not financial advice. All math runs in your browser; nothing you type leaves this page.

How it works

borrowed = collateral × LTV

interest = borrowed × APR × months/12

buffer = 1 − (LTV ÷ liquidation LTV)

Worked example

Borrow 50% against $20,000 with liquidation at 80% LTV: you get $10,000, pay $450 over six months at 9%, and a 37.5% collateral drop triggers liquidation. 2022 visited that number.

FAQ

Why borrow instead of sell?

Keeping upside exposure and, in many places, deferring a taxable sale. The trade is liquidation risk and interest.

How do I make the loan safer?

Borrow at lower LTV, set alerts far above liquidation, and keep repayment funds ready. Adding collateral in a crash is exactly when it is hardest.

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Estimates only, not financial, tax or investment advice. Verify numbers against your exchange or a professional before acting.