Health Factor Calculator
Monitor your DeFi loan safety and liquidation risk
Position Details
Current market value of all deposited assets
Total amount borrowed across all assets
Weighted average LT (ETH: 82.5%, WBTC: 75%, USDC: 85%, DAI: 80%)
Health Factor Scenarios
Safe Conservative Position
$20k collateral, $5k borrowed, 80% LT. HF = ($20k × 0.8) / $5k = 3.2. Very safe. Collateral can drop 68% before liquidation. Sleep well. Good for long-term holds.
Liquidation Zone
$10k collateral, $9k borrowed, 80% LT. HF = ($10k × 0.8) / $9k = 0.89. Below 1. Already liquidating. Need $2.25k more collateral or repay $1k loan immediately.
Danger Zone Monitoring
$15k collateral, $11k borrowed, 80% LT. HF = 1.09. Just above liquidation. 9% buffer. ETH drops 10%, you're liquidated. Add collateral or reduce borrow ASAP.
Optimal Leverage
$30k collateral, $15k borrowed, 80% LT. HF = 1.6. Balanced. Using 62.5% of borrow capacity. Can borrow $9k more before hitting HF = 1. Good for active strategies.
Price Pump Benefit
Started: $20k collateral, $12k borrowed, HF = 1.33. ETH pumped 50%. Now $30k collateral, same $12k loan. HF = 2.0. Can borrow $12k more and maintain HF = 1.33.
Multi-Asset Position
$10k ETH (82.5% LT) + $10k USDC (85% LT) = $20k. Borrowed $13k. Weighted LT: 83.75%. HF = ($20k × 0.8375) / $13k = 1.29. Different assets, different thresholds.
Frequently Asked Questions
What is health factor?
HF = (Collateral × LT) / Borrowed. Above 1 = safe. Below 1 = liquidation. HF of 2 = 50% drop tolerance.
Below 1 happens?
Liquidation. Protocol sells collateral to repay loan. You lose collateral plus penalty. Keep above 1.5.
Safe HF level?
2.0+ is safe. 1.5-2.0 moderate. 1.0-1.5 risky. Below 1.0 liquidates. Keep 50%+ buffer.
Improve HF?
Add more collateral. Repay part of loan. Swap to higher LT assets. Monitor prices. Set alerts at HF 1.5.
Liquidation threshold?
Max LTV before liquidation. ETH: 82.5%. WBTC: 75%. Stables: 85%. Varies by asset risk. Weighted average for multiple assets.
Monitor frequency?
HF > 2: weekly. HF 1.5-2: daily. HF < 1.5: hourly. Use bots or alerts. Volatility requires more monitoring.
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