Loan calculator
What will your crypto loan really cost?
Price a loan against bitcoin, ether, Solana or stablecoins: your rate, interest, total cost, the collateral you need and the prices that would trigger a margin call. Live prices, no sign-up, no ID.
Your loan
BTC €73,896
- APR, all-in
- 10.9%No fees
- Per month
- €227interest
- Margin call
- €52,783BTC −29%
- Liquidation
- €46,185BTC −38%
Paid by SEPA Instant · No sign-up to see your rate
Your loan in detail
Updates as you change the amount, the asset or the loan-to-value.
- Interest over 12 months
- €2,725.00
- Each month
- €227.08interest paid each month
- Total repaid
- €27,725.00principal at the end, interest paid along the way
- Cost per 1,000 borrowed
- €109.00
- Collateral pledged
- 0.6766 BTC≈ €50,000 today
- Loan-to-value at the end
- 50%unchanged: interest is paid monthly
- Margin call if the price falls to
- €52,783
- Partial liquidation at
- €46,185
Borrowing beats selling the same BTC today if its price rises more than 10.9% over 12 months, before any tax effect.
Month-by-month schedule
| Period | Interest | Cumulative | Outstanding |
|---|---|---|---|
| Month 1 | €227.08 | €227.08 | €25,000.00 |
| Month 2 | €227.08 | €454.17 | €25,000.00 |
| Month 3 | €227.08 | €681.25 | €25,000.00 |
| Month 4 | €227.08 | €908.33 | €25,000.00 |
| Month 5 | €227.08 | €1,135.42 | €25,000.00 |
| Month 6 | €227.08 | €1,362.50 | €25,000.00 |
| Month 7 | €227.08 | €1,589.58 | €25,000.00 |
| Month 8 | €227.08 | €1,816.67 | €25,000.00 |
| Month 9 | €227.08 | €2,043.75 | €25,000.00 |
| Month 10 | €227.08 | €2,270.83 | €25,000.00 |
| Month 11 | €227.08 | €2,497.92 | €25,000.00 |
| Month 12 | €227.08 | €2,725.00 | €25,000.00 |
Next step
From this offer to your bank, in about an hour.
Your terms are confirmed in your client area before you pledge anything. Opening an account takes a minute: an account number and a password. No ID, no email, no phone.
- Open your account · about a minute
- Confirm these terms · in your client area
- Pledge your collateral · to its own address
- Receive your money · typically within the hour
Your offerIndicative
- You receive
- €25,000 by SEPA Instant
- Rate
- 10.9% APR, all-in
- Interest
- €227.08 a month
- You pledge
- 0.6766 BTC
- Margin call if BTC falls to
- €52,783
- Fees
- None to borrow or repay
Based on today’s reference price. Your offer is confirmed in your client area before you commit. The link reopens this calculator with the same terms.
Method
The numbers behind the numbers.
No teaser rate, no hidden spread: the calculator applies the same rules as your loan agreement.
- Reference prices from a major exchange, refreshed every minute.
- All-in APR by loan-to-value, with a volume discount from €250,000.
- Simple interest, accrued daily on the amount owed, actual/365.
- No fees to borrow or repay: what you see is what you pay.
- Collateral needed
- loan ÷ loan-to-value ÷ price
- Interest for a period
- loan × APR × days ÷ 365
- Margin-call price
- price × LTV ÷ 70%
- Partial-liquidation price
- price × LTV ÷ 80%
- Loan-to-value after accrual
- (loan + accrued interest) ÷ collateral value
Stablecoins use their own thresholds (margin call at 87%, partial liquidation at 92%). Results are illustrative; your offer is confirmed in your client area before you commit.
Questions
Calculator questions.
How the figures are produced, and what they mean for your loan.
Help centreHow accurate is the loan calculator?
The calculator uses the same rate grid, thresholds and reference prices as your client area, refreshed every minute. Prices move constantly, so the collateral needed and the trigger prices change with the market. Your offer is confirmed in your client area before you commit.
Is interest compounded?
No. Interest is simple interest, accrued daily on the amount you owe on an actual/365 basis. If you pay it monthly, the amount you owe stays the same. If you let it accrue, it is added to what you owe, which raises your loan-to-value over time.
Why does the collateral needed change when I change the loan-to-value?
The loan-to-value is the share of your collateral’s value that you borrow. At 50%, every 1,000 borrowed needs 2,000 of collateral; at 30%, it needs about 3,333. A lower loan-to-value costs less and leaves more room before a margin call.
Does the calculator include all fees?
Yes. The rate is an all-in APR: there are no origination, administration or early-repayment fees. The only other costs are external: SWIFT payouts at cost, the network fee to return your collateral, and a fee on the amount sold if a liquidation ever takes place.
Can I repay before the end of the period I chose?
Yes. The period only projects the cost. You can repay at any time, in full or in part, and you pay interest only for the days you actually borrowed.
What does the break-even figure mean?
It is the rise in the price of your collateral over the period that would make borrowing more profitable than selling the same amount today, before any tax effect. It equals the interest you would pay as a share of the loan.
Your rate is ready when you are.
No sign-up to price a loan. When you are ready, it takes about an hour from account to funds.
- No KYC
- No email, no phone
- Zero fees
- Repay any time
