Collateral Requirement Calculator
Calculate DeFi collateral, liquidation price, and health factor
Collateral Parameters
Collateral Analysis
Collateral Details
Liquidation Scenarios
Key Insights
Collateral analysis will appear here
Enter parameters and click "Calculate Collateral"
When to Use Collateral Calculator
Aave ETH Loan Planning
Want to borrow $10K USDC against ETH on Aave? At 150% ratio with ETH at $2,500, you need 6 ETH. Calculator shows liquidation at $2,083 - a 16.7% drop. Add 20% buffer for safety.
MakerDAO CDP Management
Opening a Maker vault with wBTC? 175% ratio is safer than minimum 150%. Calculate how much DAI you can mint and at what BTC price your vault gets liquidated with 13% penalty.
Bear Market Survival
ETH dropped 30% overnight. Is your position safe? Input current price to see new health factor. If below 1.2, you need to add collateral or repay part of the loan immediately.
Compound Optimization
Compound offers 82.5% LTV on ETH. That's 121% collateral ratio - tight! Calculate if borrowing at max LTV is worth the liquidation risk or if you should use less leverage.
DASH Masternode Setup
DASH requires exactly 1000 DASH for a masternode. At $30/DASH, that's $30,000 locked. Unlike DeFi loans, no liquidation risk - but you can't use those coins until you stop the node.
Cross-Protocol Comparison
Aave vs Compound vs Maker - which gives best terms? Compare collateral ratios, liquidation thresholds, and interest rates. Sometimes 0.5% higher rate means 10% lower liquidation risk.
Frequently Asked Questions
What is collateral ratio in DeFi?
Collateral ratio is the percentage of collateral value relative to borrowed amount. A 150% ratio means you deposit $150 worth of collateral to borrow $100. Higher ratios provide more safety buffer against liquidation.
What is liquidation price?
Liquidation price is the collateral token price at which your position gets liquidated. If ETH is your collateral and liquidation price is $1,500, your position is liquidated when ETH drops to $1,500. Always maintain buffer above this price.
What is health factor in Aave?
Health factor measures position safety. Above 1 is safe, below 1 triggers liquidation. A health factor of 2 means your collateral can drop 50% before liquidation. Aave recommends keeping it above 1.5 for safety.
How much collateral do I need for a DeFi loan?
Most DeFi protocols require 150-200% collateral ratio. To borrow $10,000, you need $15,000-$20,000 in collateral. We recommend 170-200% for volatile assets like ETH to avoid liquidation during price swings.
What happens when I get liquidated?
During liquidation, the protocol sells your collateral to repay the loan plus a liquidation penalty (typically 5-15%). You lose part of your collateral and may still owe if the sale doesn't cover the debt.
How do I avoid liquidation?
Keep collateral ratio high (170%+), monitor health factor, set price alerts near liquidation price, and have funds ready to add collateral or repay during dips. Some use DeFi Saver for automated protection.
What is the difference between collateral ratio and LTV?
LTV (Loan-to-Value) is the inverse of collateral ratio. 75% LTV means you can borrow 75% of collateral value, equivalent to 133% collateral ratio. Protocols use different terms but the math is the same.
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