How to calculate loan-to-value (LTV)

Open tool

Show how hard you are leaning on collateral so you can stay below protocol max LTV and liquidation thresholds. Use this guide when before borrowing against crypto collateral. Follow the steps below, then open the matching CryptonicTools page. Avoid oracle prices can differ from your CEX mark.

Estimate LTV from collateral and debt values so borrowing buffers are visible before price moves.

By Nadeem Ahmed·Co-founderUpdated 2026-09-09Methodology

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Open the tool

Show how hard you are leaning on collateral so you can stay below protocol max LTV and liquidation thresholds.

Launch Crypto Loan LTV Calculator →

Purpose

Show how hard you are leaning on collateral so you can stay below protocol max LTV and liquidation thresholds.

When to use it

Before borrowing against crypto collateral
After collateral price drops and you need a quick LTV check
When comparing two borrow sizes
Alongside liquidation tools for perps

How to use it

Enter collateral value. Use a conservative mark, not a hopeful wick.
Enter debt value. Include what you plan to borrow or already owe.
Read LTV. Compare to the protocol’s max LTV and liquidation LTV.
Stress price. Mentally shock collateral down and recompute before confirming.

Benefits

Clear borrow buffer intuition
Fast mobile check
Links to liquidation vocabulary
No wallet connect for the math

Pitfalls to avoid

Oracle prices can differ from your CEX mark
Interest accrues and raises effective LTV
Protocol rules differ
Not financial advice

LTV versus perpetual liquidation

Lending LTV and futures maintenance margin are cousins, not twins. Use the LTV tool for collateralized loans and the liquidation calculator for leveraged perps.

Frequently asked questions

What will I learn in “How to calculate loan-to-value (LTV)”?+

Estimate LTV from collateral and debt values so borrowing buffers are visible before price moves. You will walk through Enter collateral value, Enter debt value, Read LTV, when the tool helps, and how to avoid common mistakes.

When does “How to calculate loan-to-value (LTV)” help before I touch a protocol?+

Start here when before borrowing against crypto collateral. Begin with “Enter collateral value,” then open the free on-site tool so you can practice the same workflow without creating an account.

What insight does “How to calculate loan-to-value (LTV)” unlock — and what can go wrong?+

Benefit: Clear borrow buffer intuition. Pitfall: Oracle prices can differ from your CEX mark. CryptonicTools is informational only — confirm fees and fills on your venue, and read the Methodology page for how rates and formulas work.

Practice in the Crypto Loan LTV Calculator — free, no account.

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