Bitcoin loan calculator
The loan-to-value ratio (LTV) of a bitcoin-backed loan is the loan divided by the value of the bitcoin you pledged, and the lender can sell your collateral if the price falls far enough that it passes their limit. Enter your collateral and loan to see the LTV today, the prices that trigger a margin call and liquidation, and the interest. Today's price is 74,861 USD, as of November 8, 2026. The default limits are examples: use your lender's own.
- Liquidation price
- 27,500 USD
- Loan-to-value today
- 29.4%
- Margin-call price
- 31,429 USD
- Fall before liquidation
- 63.3%
- Collateral value today
- 74,861 USD
- Interest over the term
- 2,640 USD
- BTC to sell instead
- 0.29387799 BTC
Rate as of November 8, 2026. Fetching the live rate.
Worked example
Pledge 1 BTC and borrow 22,000 USD: your LTV is 29%. With a margin call at 31,429 USD and liquidation at 27,500 USD, the price can fall 63% before liquidation. Over 12 months at 12% a year the simple interest is 2,640 USD.
How it works
LTV = loan ÷ (collateral bitcoin × price). The price at a threshold = loan ÷ (collateral bitcoin × the threshold LTV), worked out once for the margin-call LTV and once for the liquidation LTV. The fall before liquidation = 1 − liquidation price ÷ today's price. Interest = loan × the yearly rate × months ÷ 12, simple interest with no compounding or fees. The bitcoin you would sell instead = loan ÷ today's price.
Use your lender's figures
Lenders set their own limits. A margin call, the point at which you are asked to add collateral or repay, and a liquidation, the point at which the lender sells, sit at different LTVs from one lender to the next, and some charge origination fees or compound interest. The defaults here are examples only.
Frequently asked questions
What is a good LTV for a bitcoin loan?
A lower one is safer, since it leaves more room for the price to fall. Lenders' limits differ, so read the margin-call and liquidation levels in your own loan terms.
What happens if the price falls below the liquidation price?
The lender sells some or all of your bitcoin to repay the loan, and you keep only what is left. The sale can happen fast, in a falling market, and you may owe a fee. Borrowing against bitcoin can cost you the collateral.
Is it better to borrow or to sell?
Borrowing keeps your bitcoin and costs interest and liquidation risk. Selling ends the risk, may trigger tax and gives up the bitcoin. The calculator shows how much you would sell instead, so you can compare.
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These tools are for information, not financial advice. An exchange quotes its own price, which includes its spread and fees.
Sources
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