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Crypto Loan Liquidation Calculator
Simulate crypto collateral price declines, estimate a liquidation price, and compare adding collateral with loan repayment to reach your target LTV.
Model an existing loan through a price decline. The default 80% liquidation threshold and 40% target LTV are illustrative assumptions, not lender quotes or a guarantee against liquidation.
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Your loan at a glance
Enter your assumptions- Price drop to threshold
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- Estimated liquidation price
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- Current loan-to-value
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From the entered asset price
Per BTC · assumed threshold
Threshold: 80%
- Collateral value
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- Price buffer per asset
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LTV as collateral prices fall
Move the slider to see what a price fall does to your loan.
- Asset price
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- Resulting LTV
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- Your threshold
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Two ways to lower your LTV
Target: 40% at the entered price
Add collateral
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Debt stays the same. More assets are committed as collateral.
Or repay part of the loan
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Reduce your outstanding USD balance.
Collateral stays the same. Available funds go toward repayment.
These are alternative estimates, not amounts to combine. Fees and transfer delays are excluded.
Downside stress test
“Approaching” means LTV is at least 90% of your entered threshold. These are simulator labels, not lender-defined risk zones. Below the threshold does not mean the loan is free of risk.
| Price change | Collateral value | LTV | Entered threshold |
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Explore lenders for BTC
Matches use explicit collateral fields on CIR’s published lender records with a loan check within 14 days of this site build. Confirm asset support, regional eligibility and current terms directly. No lender threshold is used in the simulator.
Share links include your entered loan inputs in the URL. Copy only figures you intend to share.
Estimates are educational, not financial advice. The price buffer measures distance from a hypothetical threshold. Accruing interest, fees, price feeds, collateral haircuts and lender actions can change actual outcomes. A loan may be liquidated without advance notice.
What triggers crypto collateral liquidation?
A lender or protocol may sell collateral when a loan reaches its liquidation LTV. This crypto liquidation calculator models only that price-based trigger. Other contract terms, including missed repayment deadlines, can also permit liquidation.
How LTV changes as crypto prices fall
LTV equals outstanding debt divided by collateral value, multiplied by 100. With debt unchanged, a 50% price fall doubles LTV. For example, $40,000 of debt against $100,000 of collateral starts at 40% LTV and reaches 80% when collateral falls to $50,000. These are illustrative figures.
Estimated liquidation price = debt ÷ (collateral units × threshold LTV as a decimal). Use BTC as the asset for a Bitcoin liquidation price calculator, or switch to ETH or SOL. The simulator refreshes prices from the existing Bitcompare feed while live pricing is selected. The feed may cache quotes for five minutes. Manual and shared-link prices stay fixed until you choose “Use live price.”
Margin call vs. liquidation
A margin call is a request to restore collateral coverage. Liquidation is a sale of collateral to cover debt. Notification timing and any opportunity to respond depend on the loan terms. Do not assume a warning or grace period.
How to reduce crypto loan liquidation risk
Borrowing less against the same collateral lowers starting LTV and increases the modeled price decline before the threshold. Monitor the outstanding balance and the lender’s valuation of collateral. Transfer delays and rapid price moves can prevent a top-up from arriving in time.
Adding collateral vs. repaying part of a loan
Adding collateral increases the denominator of LTV while leaving debt unchanged. Repayment reduces debt. Both estimates above use your entered price and are alternatives, not amounts to combine. The additional collateral value is max(0, debt ÷ target LTV − collateral value); repayment is max(0, debt − collateral value × target LTV), using target LTV as a decimal.
Adding collateral commits more assets to the lender or protocol. Repaying uses available funds and reduces outstanding debt. Neither calculation accounts for transaction costs, minimum payments or collateral eligibility limits.
Why actual lender thresholds and procedures differ
Thresholds can depend on the asset and loan market. Price sources, liquidation fees and sale procedures also vary. Confirm your own contract and loan dashboard. See the official explanations of Coinbase loan health and Binance Flexible Loan terms for product-specific examples. Their policies are not applied to this simulator.
Compare current crypto lenders and Bitcoin loan rates for borrowing terms and listed collateral support. Use the Bitcoin loan calculator for borrowing power and lender costs, or the multi-platform loan cost calculator to compare costs.