MCAP $2.76T ▼ 2.63% Last updated 23 Oct 2026, 13:04 UTC 24H VOL $67.6B Last updated 23 Oct 2026, 13:04 UTC BTC.D 59.4% Last updated 23 Oct 2026, 13:04 UTC FEAR & GREED 50 Neutral Last updated 23 Oct 2026, 00:00 UTC BTC FEE 1 sat/vB Last updated 23 Oct 2026, 14:00 UTC BTC $81,801 ▲ 0.10% Last updated 23 Oct 2026, 13:58 UTC ETH $2,408 ▼ 0.10% Last updated 23 Oct 2026, 13:58 UTC USDT $0.9990 ▼ 0.02% Last updated 23 Oct 2026, 13:58 UTC BNB $746.88 ▲ 1.83% Last updated 23 Oct 2026, 13:58 UTC XRP $1.32 ▼ 0.70% Last updated 23 Oct 2026, 13:58 UTC USDC $0.9995 ▼ 0.01% Last updated 23 Oct 2026, 13:58 UTC SOL $104.77 ▼ 0.25% Last updated 23 Oct 2026, 13:58 UTC TRX $0.3300 ▼ 0.10% Last updated 23 Oct 2026, 13:58 UTC FIGR_HELOC $1.03 ▼ 0.21% Last updated 23 Oct 2026, 13:58 UTC ZEC $1,237 ▼ 1.68% Last updated 23 Oct 2026, 13:58 UTC

DeFi scenarios

Crypto loan health factor calculator

Check the effect of a collateral-price scenario on a loan.

Your inputs

Values stay in this page. Use the units shown beside each field.

Enter the applicable collateral liquidation threshold, not the maximum borrow LTV.
Use a negative number for a decline, such as -25.

Result

Enter your values, then calculate. You can also load the worked example.

Your result will appear here.

Model how a collateral price change affects a loan while debt and the entered weighted liquidation threshold stay fixed.

How the calculation works

Health factor = collateral value × liquidation threshold ÷ debt value. Collateral value at health factor 1 = debt ÷ liquidation threshold.

Worked example

Example: collateral of 10,000 with an 80% threshold and debt of 6,000 has a health factor of 1.333333. A 25% collateral decline brings this model to 1.

How to use the result

For several collateral assets, the threshold must be weighted by their values. A multi-asset loan can reach liquidation through many price combinations.

The price-move result is the proportional collateral change needed to reach a health factor of 1 under fixed debt. Zero entered debt produces a No debt result.

What this result leaves out

  • No wallet or protocol account is read. Interest, oracle changes, eMode, collateral correlation, penalties and parameter updates are excluded.
  • A health factor above 1 is not a promise of safety. Verify the actual protocol position and rules.

Method and sources

Calculation method reviewed 23 October 2026. This is an estimate from your inputs, not investment or tax advice.