Loan-to-value calculator

There is no universally safe percentage. Asset volatility, concentration, lender rules, and your ability to repay all matter. Your target is a personal planning choice.

For a conventional US mortgage, less than 20% down often means mortgage insurance. That 80% LTV reference is specific to mortgages; it is not a safety benchmark for volatile collateral.

A lender may require repayment or extra collateral, change its requirements, or sell collateral. Securities-backed credit can involve maintenance calls with only a few days to respond. Other products may liquidate automatically. Use the liquidation LTV for your specific loan market.

Use one currency throughout. Collateral is its lender-eligible value, after any haircut. Prices are hypothetical, not live. Price scenarios assume fixed debt and a constant quantity of collateral. All debt secured by this collateral should be included.

The borrowing model uses a fixed annual nominal interest rate, no principal repayments, and the chosen interest treatment. Monthly compounding uses rate ÷ 12, with fractional months modeled proportionally in the exponent. Paid interest comes from outside the collateral. Financed fees accrue interest. Taxes, liquidation penalties, changing rates, collateral yield, and lender-specific calculations are excluded.

Results use unrounded calculations internally; borrowing capacity rounds down to the cent. Other amounts are approximate when displayed. This is a planning tool, not a lending offer or personal financial advice.