Crypto Loan Calculator

Instantly calculate your borrowing power, interest costs, and origination fees. Compare real-time rates from top crypto lenders.

Collateral Value (USD)

Enter the market value of your Bitcoin, Ethereum, or other assets.

Select Lender

Loan Term

1 Year
Outlook

Cost Breakdown

Loan Principal

Interest + Fees

Amortization Schedule

Annual Breakdown

Year	Details	Cost	Cumulative

Selected Lender

--

Annual Rate (APR)

--%

Upfront Fee

You Receive

Max -- LTV

Monthly Interest

Total Term Cost $0

Duration: 1 Yr Includes fees

Apply Now

Rates subject to change. We may earn a commission.

How to Calculate Crypto Loan Costs

Borrowing against your cryptocurrency assets is a tax-efficient way to access liquidity without selling your Bitcoin or Ethereum. Our Crypto Loan Calculator helps you estimate the cost of borrowing by factoring in three critical components:

Loan-to-Value (LTV): The percentage of your collateral's value that you borrow. A lower LTV typically yields lower interest rates.
Annual Percentage Rate (APR): The yearly interest charged on the borrowed amount.
Origination Fees: Upfront costs deducted from the loan principal or added to the repayment amount.

Understanding Loan-to-Value (LTV)

LTV is the ratio of the loan amount to the value of the collateral. For example, if you deposit $10,000 worth of Bitcoin and take a loan of $5,000, your LTV is 50%.
Calculation: (Loan Amount ÷ Collateral Value) × 100 = LTV%

Why use a Crypto Loan Calculator?

Interest rates and fees vary significantly between platforms. While one lender might offer a low APR, they might charge a high origination fee, making the loan more expensive overall. This tool visualizes the Total Cost of Capital over your selected term so you can make an informed decision.