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Bitcoin Loan Calculator
Estimate how much you can borrow, what it will cost, and when a margin call could happen before committing collateral.
BTC Loan Calculator
Model a Bitcoin-Backed Loan
Choose a platform that explicitly reports accepting BTC collateral, then adjust your collateral, starting LTV, term, and the lender's liquidation threshold. The threshold is your input because CIR does not store verified lender-specific liquidation levels.
Compare BTC platforms
How Much Can I Borrow Against Bitcoin?
Your borrowing capacity depends on two things: how much BTC you deposit as collateral, and which LTV tier you choose.
The formula
LTV limits vary by platform. Not all platforms offer 70% LTV — check the maximum available on each platform in the rate comparison table. Some platforms offer higher LTV at a higher rate, or require additional verification.
BTC value fluctuates. Your borrowing capacity changes with BTC's price. A $50,000 BTC position at 50% LTV gives you $25,000 today — but if BTC drops to $40,000, you only have $20,000 in borrowing capacity. Plan for this when choosing your loan size.
Understanding Liquidation Risk
Liquidation is the biggest risk in Bitcoin lending. Understanding exactly when it happens lets you borrow safely.
How liquidation price is calculated
Example: $25,000 loan with 80% maintenance LTV threshold liquidation triggers when collateral falls below $31,250 in BTC value.
| Loan at BTC = $100k | Starting LTV | Liquidation at BTC = | Drop needed |
|---|---|---|---|
| $25,000 | 25% | $31,250 | -69% |
| $40,000 | 40% | $50,000 | -50% |
| $50,000 | 50% | $62,500 | -38% |
| $60,000 | 60% | $75,000 | -25% |
| $70,000 | 70% | $87,500 | -13% |
Assumes 80% maintenance LTV threshold. Actual threshold varies by platform — confirm before borrowing.
How to protect yourself from liquidation
- Set a price alert at the BTC price where your LTV would reach ~65–70% — giving you time to act before the platform's margin call threshold.
- Keep collateral in reserve — hold extra BTC unencumbered so you can top up quickly if needed.
- Choose platforms with wide margin call buffers — some platforms issue margin calls at 70% LTV, others only at 85%. Know the buffer.
- Borrow conservatively in bull markets — bull runs encourage high-LTV borrowing, but the correction that often follows is when liquidations happen.
True Cost of Borrowing Against Bitcoin
The headline APR is only part of the cost. Here's how to calculate what your loan will actually cost across platforms.
Total cost formula
Illustrative example. Note how the "lower rate" Platform B costs more than Platform A on both terms because of its origination fee.
Current Platform Rates — Quick Reference
How to Use the Bitcoin Loan Calculator
This Bitcoin loan calculator owns the Bitcoin-specific collateral, borrowing-power, and liquidation calculations. The full crypto loan calculator owns general and multi-asset loan estimates. For a BTC-backed scenario, use the steps below:
- Enter your BTC amount — this sets your collateral value. The calculator starts with the BTC price fetched for the current site build and lets you replace it with another price.
- Select a BTC loan platform — the calculator populates the tracked APR, maximum LTV, and origination fee for a platform that explicitly reports accepting Bitcoin collateral.
- Set your starting LTV — enter how much you want to borrow relative to the BTC collateral value.
- Choose a loan term — select 3, 6, or 12 months (or custom) to see how term length affects total interest paid.
- Enter the liquidation threshold — copy it from the lender's current terms. CIR does not treat the illustrative default as platform data.
- Compare platforms — use the icon list to see how tracked rates and fees change the estimate for the same BTC scenario.
The Bitcoin loan calculator output shows estimated loan amount, interest, origination fee, total borrowing cost, and the BTC price at which the entered liquidation threshold would be reached.
Bitcoin Loan Calculator FAQs
How much can I borrow against Bitcoin?
Typically 25–75% of your BTC's current market value, depending on the platform and LTV tier. Most conservative borrowers use 40–50% LTV to maintain a comfortable buffer against price volatility.
How is total Bitcoin loan cost calculated?
Total cost = (loan amount × APR × term in years) + origination fee. For example, $25,000 at 7% APR for 12 months = $1,750 in interest. If the platform charges 1% origination, add $250 for a total cost of $2,000.
At what BTC price will I get liquidated?
Liquidation price (in BTC portfolio value) = loan amount ÷ (maintenance LTV ÷ 100). The Bitcoin loan calculator converts this to a BTC/USD price for you automatically.
What's the difference between a margin call and liquidation?
A margin call is a warning — your LTV has hit the platform's alert threshold and you need to act (add collateral or repay). Liquidation is automatic — the platform sells your BTC to repay the loan without requiring your action. Some platforms trigger liquidation without a prior margin call, so always know the thresholds.
Which platform is best for a Bitcoin loan?
"Best" depends on your LTV need, loan term, and geography. See our Best Bitcoin Loan Rates page for a live comparison segmented by lowest rate, highest LTV, and US availability.
