Crypto Borrowing Interest Calculator
Calculate the cost of borrowing crypto from DeFi lending protocols. Enter borrowed amount, borrow APY, and duration to estimate total interest owed on Aave, Compound, and more.
Crypto Collateral Ratio Calculator
Calculate your DeFi collateral ratio and over-collateralization percentage. Enter collateral and debt values to assess loan safety and borrowing capacity.
$
$
%
$
%
days
Collateral Ratio⧉
200.0%
Above minimum 150% threshold
Loan-to-Value (LTV)⧉
50.0%
Debt as a percentage of collateral value
Over-Collateralization⧉
100.0%
Extra collateral above 100% backing
Max Debt at Min Ratio⧉
$20,000.00
Maximum borrow at 150% collateral ratio
Available to Borrow⧉
$5,000.00
Additional debt you can take before hitting minimum ratio
Price Drop to Liquidation⧉
25.0%
How much token price can fall before reaching min ratio
Liquidation Price⧉
$2,250.00
Token price at which collateral hits minimum ratio
Accrued Interest⧉
$750.00
Interest over 365 days at 5% APR
Collateral Health
200.0% (min: 150%)
Scenario Result (0% price change)
Collateral: $30,000.00 → Ratio: 200.0% → LTV: 50.0%
✅ Position Safe
Debt Projection (365 days at 5% APR)
Future Debt⧉
$15,750.00
Current debt plus accrued interest
Future Ratio⧉
190.5%
Collateral ratio after interest accrual
Stress Test Table
| Price Drop | Collateral Value | Ratio | LTV | Status |
|---|---|---|---|---|
| -10% | $27,000.00 | 180.0% | 55.6% | 🟢 Safe |
| -20% | $24,000.00 | 160.0% | 62.5% | 🟢 Safe |
| -30% | $21,000.00 | 140.0% | 71.4% | 🔴 Liquidated |
| -40% | $18,000.00 | 120.0% | 83.3% | 🔴 Liquidated |
| -50% | $15,000.00 | 100.0% | 100.0% | 🔴 Liquidated |
| -60% | $12,000.00 | 80.0% | 125.0% | 🔴 Liquidated |
| -70% | $9,000.00 | 60.0% | 166.7% | 🔴 Liquidated |
| -80% | $6,000.00 | 40.0% | 250.0% | 🔴 Liquidated |
Planning notes, formulas, and examples
About the Crypto Collateral Ratio Calculator
The collateral ratio measures how much collateral backs your DeFi loan. In traditional finance, a 100% collateral ratio means you've pledged assets equal to your debt. In DeFi, over-collateralization is the norm — ratios of 150-300% are common because crypto prices are volatile.
This Collateral Ratio Calculator computes your current collateral ratio and loan-to-value (LTV) percentage. Enter the value of your collateral and your outstanding debt to see how well-protected your position is.
A higher collateral ratio means more safety but lower capital efficiency. Finding the right balance between safety and efficiency is key to successful DeFi borrowing.
Use the result to map token-release or fee scenarios and revisit the model when market conditions, unlock terms, or portfolio assumptions change.
When This Page Helps
Collateral ratio directly determines your liquidation risk. This calculator shows your current ratio, how it compares to protocol minimums, and how much additional borrowing or collateral price decline you can absorb.
How to Use the Inputs
- Enter the current USD value of your deposited collateral.
- Enter the total USD value of your outstanding debt.
- View your collateral ratio and LTV percentage.
- Compare against the protocol's minimum collateral ratio.
- Simulate price changes to see how your ratio would shift.
Formula used
Collateral Ratio = (Collateral Value / Debt Value) × 100%. LTV = (Debt Value / Collateral Value) × 100%. Over-collateralization = Collateral Ratio − 100%.Example Calculation
Result: 200% collateral ratio (50% LTV)
Collateral Ratio = $30,000 / $15,000 × 100% = 200%. LTV = $15,000 / $30,000 × 100% = 50%. You have 100% over-collateralization, meaning your collateral could drop 50% before reaching the 100% danger zone.
Tips & Best Practices
- MakerDAO requires 150%+ for ETH-backed DAI; aim for 200%+ for comfort.
- Monitor your ratio daily during volatile markets.
- The collateral ratio drops as crypto prices fall and interest accrues.
- Higher ratios sacrifice capital efficiency for safety.
- Some protocols allow different ratios for different collateral types.
- Set up automated actions to maintain your target ratio.
Collateral Ratio in Practice
Different DeFi protocols set different minimum collateral ratios based on asset volatility. Stablecoin-to-stablecoin lending might require only 105%, while volatile crypto collateral might need 150-175%. These minimums reflect the protocol's assessment of liquidation timing risk.
Capital Efficiency Trade-Off
A 300% collateral ratio is very safe but means only one-third of your capital is working. A 150% ratio maximizes borrowing but leaves little room for error. The optimal ratio depends on your conviction in collateral price stability and your monitoring frequency.
Dynamic Ratio Management
Advanced users maintain target ratios by adding or removing collateral as prices change. Tools like DeFi Saver automate this process, keeping your ratio within a defined band regardless of market movements.
Sources & Methodology
Last updated:
Frequently Asked Questions
It depends on the protocol and your risk tolerance. For MakerDAO (150% minimum), most users maintain 200-300%. For Aave-style protocols, the equivalent would be keeping health factor at 1.5-2.0, which translates to collateral ratios well above the minimum.
They're inverses. Collateral ratio = Collateral/Debt (e.g., 200%). LTV = Debt/Collateral (e.g., 50%). A 200% collateral ratio = 50% LTV. DeFi protocols often use both terms interchangeably.
Health factor = (Collateral × Liquidation Threshold) / Debt. If the LTV threshold is 80%, a 200% collateral ratio gives a health factor of 1.6. They measure the same risk from different angles.
Your position becomes eligible for liquidation. A liquidator repays your debt and claims your collateral plus a penalty. The specific mechanics vary by protocol — some liquidate partially, others fully.
Many protocols support multi-collateral positions. Your effective collateral ratio is the weighted sum of all collateral values divided by total debt. Each asset's weight may be adjusted by its risk parameters.
Outstanding interest adds to your debt, gradually reducing your collateral ratio. Over long periods, this effect is significant. Periodically repay accrued interest to maintain your target ratio.
More in this topic
Crypto DeFi Liquidation Threshold Calculator
Calculate the exact price at which your DeFi loan gets liquidated. Enter collateral amount, token price, borrowed amount, and LTV to find your liquidation price.
Crypto Health Factor Calculator
Calculate your DeFi lending health factor to assess liquidation risk. Enter collateral value, borrowed amount, and liquidation threshold to monitor your position safety.