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Tools

Liquidation price calculator

Work out the price that takes your collateral before you borrow, not while it is falling.

Use the toolAll tools
1.0Health factor at liquidation
0Warnings you get
$0To use
5Inputs
Loading live prices
Every tool
Position size calculatorProfit and loss calculatorImpermanent loss calculatorSwap fee comparisonUnlock and dilution calculatorMarket cap calculatorLiquidation price calculatorCost basis calculatorToken safety checkerGas trackerExplorer routerFear and greed indexChart pattern trainerCrypto slang decoderWallet pickerSeed phrase backup sheetRisk managementTokenomicsMarket cap vs priceGas fees
How many tokens go in as collateral
$
$In dollars, or dollar stablecoins
%The protocol publishes this per asset. Often 75 to 85 percent.
%The bonus the liquidator takes. Usually 5 to 10 percent.
You are liquidated at—Price of your collateral
The fall that gets you there—From the price you entered
Health factor—Liquidation happens at 1.0
Loan to value now—Borrowed, against collateral value
You could still borrow—Before you hit the threshold at this price
A liquidation would cost you—The penalty, on top of losing the collateral

Everything here is worked out in your own browser. Nothing you type is sent anywhere, stored, or logged, and there is nothing to sign up for.

The idea

One number decides everything

A crypto loan has no repayment date and no credit check. What it has instead is a price. Your collateral sits in a contract, and while it is worth enough relative to what you borrowed, nothing happens. The moment it is not, anybody can repay part of your loan and take your collateral at a discount, and the contract will let them.

Nobody calls you. There is no grace period and no appeal, and it happens fastest in exactly the conditions that cause it, when the network is busy and the price is moving.

So the number worth knowing is the one above. Work it out before you borrow, not while it is happening.

  1. Find the threshold, not the maximum LTV

    Protocols publish two numbers per asset. The maximum loan to value is how much you are allowed to borrow at the start. The liquidation threshold is the higher number where you get liquidated. The gap between them is your entire margin for error.

  2. Divide the debt by the collateral you could lose

    Debt, divided by the number of tokens times the threshold, is the price. Two ether at an eighty percent threshold against two thousand dollars borrowed liquidates at $1,250 a coin.

  3. Ask whether you would survive that fall

    Not whether you think it will happen. A fifty percent drawdown has happened to every major crypto asset more than once, and to most of them in a single week.

  4. Decide now what you would do at half the distance

    Repay some, add collateral, or accept it. Deciding at three in the morning while the gas price triples is not a plan.

Health factor, in one sentence

The health factor is the same information in a different shape. It is your collateral times the threshold, divided by your debt. At 1.0 you are liquidated. Below about 1.5 you have very little room, and a bad hour can cross it.

What actually happens when it triggers

Faster than you can react

StepWhat it means for you
A price feed crosses your thresholdThe oracle price, not the price on any one exchange. It can differ from what you see on a chart.
A bot repays part of your loanLiquidation is competitive and automated. It is usually executed within one block.
It seizes collateral worth the repayment plus a bonusThat bonus is the penalty, and it comes out of your collateral. It is the fee for being late.
Your loan shrinks and so does your collateralMany protocols only liquidate part of the position at a time, so it can happen repeatedly as the price keeps falling.
You keep whatever is leftA liquidation is not a total loss. It is a forced sale at a discount, at the worst moment, which is bad enough.
The part people find out about in April

Borrowing against collateral is usually not a taxable event, but a liquidation is a sale, and it can produce a tax bill in a year when you lost money. See taxable events.

Lending and borrowingDeFi explainedStablecoins

Common questions

What is the difference between maximum LTV and the liquidation threshold?

The maximum loan to value is the most you are allowed to borrow when you open the position. The liquidation threshold is the higher ratio at which you are liquidated. Borrowing right up to the maximum leaves you only that gap of room, which is usually five or ten percent of price.

Can I be liquidated if the price never falls?

Yes. Interest accrues on the debt, so the ratio worsens on its own over time. A position left alone for a year can drift into liquidation in a flat market.

Does this work for leveraged futures too?

The idea is the same but the arithmetic is not. Futures liquidation depends on margin, leverage and the maintenance margin rate rather than a collateral threshold. Use your venue’s own calculator for those.

What if I post two different assets as collateral?

Then each has its own threshold and the protocol works out a weighted average. This calculator handles one asset. For a mixed position, read the health factor the protocol itself shows you.

Is a stablecoin loan safe from liquidation?

The debt side being stable removes one of the two moving parts, which helps. The collateral side still moves, and that is the side that liquidates you.

Where to go next

Lending and borrowingHow the whole thing worksPosition size calculatorThe same discipline, for a tradeTaxable eventsWhy a liquidation shows up on a tax return

Want a hand using these on your own position?

We go through it together on a call. Your holdings, your risk, your setup. You click everything and we never ask for keys.

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