Calculate how much you can borrow on Aave based on your collateral. See your borrowing limits at different health factor levels.
Enter if you already have borrowed funds
Higher = Safer. We recommend 1.5 or above for most users.
At Health Factor 1.5
$19,366.67
Very safe position
Recommended for most
Higher risk
Borrowing at max LTV is risky
At max LTV, your Health Factor would only be 1.04. We recommend keeping HF above 1.5.
LTV (Loan-to-Value) is the maximum percentage of your collateral value that you can borrow. Each asset has a different LTV based on its risk profile.
If you deposit 10 ETH worth $35,000, and ETH has 80% LTV:
Max Borrow = $35,000 × 80% = $28,000
However, borrowing at max LTV is extremely risky because your Health Factor would be very close to 1.0, meaning even small price drops could liquidate you.
| Asset | Max LTV | Liq. Threshold | HF at Max LTV |
|---|---|---|---|
| ETH | 80% | 83% | 1.04 |
| WBTC | 73% | 78% | 1.07 |
| USDC / USDT / DAI | 77% | 80% | 1.04 |
| wstETH | 78% | 81% | 1.04 |
| LINK | 65% | 68% | 1.05 |
Notice how borrowing at max LTV gives you a Health Factor barely above 1.0 - very risky!
Borrow at 40-50% LTV to maintain HF around 2.0. Very safe with room for price volatility.
Borrow at 50-60% LTV for HF around 1.5. Monitor during volatility.
Borrow at 60-70% LTV. Higher risk, requires active monitoring.
Borrowing at 70%+ LTV is extremely risky. A 10-15% price drop could liquidate you.
The amount depends on your collateral value and LTV. For ETH with 80% LTV, you can borrow up to $80 per $100 of collateral. However, we recommend staying at 50-60% to maintain a safe Health Factor.
LTV is the maximum percentage of collateral value you can borrow. Each asset has different LTV based on risk. ETH has 80%, WBTC has 73%, stablecoins have 77%. Lower LTV = safer borrowing.
At max LTV, your Health Factor is barely above 1.0. For ETH, that's just 1.04 - meaning a 4% price drop would liquidate you. Crypto can easily move 10-20% in a day, making max LTV borrowing extremely risky.
With multiple collateral assets, your borrowing power is calculated using a weighted average LTV based on each asset's value. This can be useful for diversifying risk - if one asset drops, others may hold value.