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.
What is the LTV rule, and why it matters
Loan-to-value (LTV) is the loan divided by Bitcoin collateral, as a percent. The LTV rule: originate low enough that a large BTC drop still sits below the lender’s margin-call line. Lower LTV means more buffer; higher LTV means more liquidation risk. BitStack is not a lender.
Formula: LTV = (Loan Amount ÷ Collateral Value) × 100%. This calculator treats below 50% as safer, 50–65% as moderate, and above 65% as high risk of margin call or liquidation. For cash-out down-payment math, 30% origination is the round figure that stays healthy after a 50% dump scenario (not a forecast). Education only.
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.
Does BitStack make Bitcoin-backed loans?
No. This calculator models LTV for a loan you already have or are sizing with a lender. BitStack at trybitstack.com is portfolio software — not a lender, bank, or exchange, and not the French neobank at bitstack-app.com.
Links
Interactive calculator: enable JavaScript or open trybitstack.com.