Loan-to-Value (LTV) Calculator
See how your loan-to-value ratio shapes a Bitcoin-backed loan. Move the LTV slider to watch the collateral you need and your monthly payment change, and find the ratio that balances borrowing power against risk.
Illustrative estimates only — final rates are set by independent lenders on the Coinedge marketplace.
Rates set by lenders. BTC price: $78,442. Illustrative only — not a loan offer.
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What LTV is and what moves with it
Loan-to-value (LTV)
The ratio of your loan to the value of your BTC collateral. A 50% LTV means you borrow half the value of your Bitcoin — the headline number this calculator centers on.
Collateral required
The lower your LTV, the more Bitcoin you pledge per dollar borrowed — and the more room you have before a falling price triggers a margin call.
Loan amount & term
Your loan size and repayment length combine with LTV to set the collateral required and the interest baked into each monthly payment.
How loan-to-value is calculated
LTV is your loan divided by the value of your collateral, expressed as a percentage. Borrow $30,000 against $60,000 of BTC and your LTV is 50%. It is the single most important number in crypto lending because it determines both your borrowing power and how close you sit to liquidation.
The calculator above turns your chosen LTV into a concrete collateral figure: it divides your loan amount by the LTV against the current Bitcoin price, so you can see the trade-off the moment you move the slider.
How LTV changes as Bitcoin moves
Your starting LTV isn't fixed. As Bitcoin's price falls, the value of your collateral drops and your effective LTV rises — pushing you toward a margin call. As the price climbs, your LTV falls and your buffer grows. Choosing a lower starting LTV is how you build in a margin of safety.
Our full guide on what LTV means in crypto lending walks through margin calls, liquidation thresholds, and how to choose a safe ratio.
Putting your LTV to work
Once you've settled on an LTV you're comfortable with, the rest is straightforward: lock your Bitcoin in a non-custodial 3-key multisig vault, receive USDC, and repay over your chosen term. Your BTC stays on-chain the entire time.
See the end-to-end flow in borrowing against Bitcoin or read how to borrow without selling your BTC.
More calculators and guides
Found your ideal LTV?
Request a loan on the Coinedge marketplace and let independent lenders compete for your terms. No credit checks. Your BTC stays on-chain.