Bitcoin LTV Calculator
Loan-to-value (LTV) is the loan amount divided by the value of your Bitcoin collateral, expressed as a percentage. Lower LTV means more buffer before a margin call or liquidation. This calculator is free and does not require a BitStack account.
Formula
LTV = (Loan Amount ÷ Collateral Value) × 100%
Worked example
If you deposit $100,000 in BTC and borrow $50,000, your LTV is 50%.
Source
Definitional — the LTV identity used by the calculator. Typical industry ranges on this page (safe below 50%; moderate 50–65%; high above 65%) are the same thresholds already described in the FAQ.
Frequently asked questions
What is loan-to-value (LTV) ratio in Bitcoin lending?
LTV ratio is the percentage of your loan amount relative to the value of your Bitcoin collateral. For example, if you deposit $100,000 in BTC and borrow $50,000, your LTV is 50%. Lower LTV means less risk of liquidation.
What is a safe LTV ratio for a Bitcoin-backed loan?
Most Bitcoin lending platforms consider an LTV below 50% to be safe. LTV between 50-65% is moderate risk, and above 65% puts you at high risk of margin calls or liquidation if Bitcoin's price drops.
How do I lower my LTV ratio?
You can lower your LTV by adding more Bitcoin collateral to your loan, making a partial loan repayment, or waiting for Bitcoin's price to increase (which raises collateral value).
What happens when my LTV gets too high?
When LTV exceeds the lender's threshold (typically 65-85%), you'll receive a margin call asking you to add collateral or repay part of the loan. If you don't act, the lender may liquidate your Bitcoin.
Links
Interactive calculator: enable JavaScript or open trybitstack.com.