Check if your Aave or DeFi lending position is safe from liquidation. Enter your collateral and debt to instantly see your Health Factor and risk level.
1.45
At risk - take action
Total Collateral
$35,000.00
Total Debt
$20,000.00
Available to Borrow
$8,000.00
Current LTV
57.1%
Add More Collateral
Deposit more assets to increase your collateral value
Repay Some Debt
Reduce your borrowed amount to lower risk
Health Factor (HF) is the single most important metric for anyone using DeFi lending protocols like Aave. It tells you how safe your position is from liquidation.
Health Factor = (Collateral Value × Liquidation Threshold) / Total DebtThink of Health Factor as a safety margin. The higher the number, the safer your position. When it drops below 1, your collateral can be liquidated.
Excellent safety margin. Your position can withstand significant price drops without risk of liquidation.
Acceptable but not ideal. Monitor during high volatility and consider improving your position.
Risky position. A moderate price drop could trigger liquidation. Take action to improve your HF.
Critical! Liquidation is imminent. Add collateral or repay debt immediately to save your position.
Depositing additional assets increases your collateral value, which directly improves your Health Factor. This is often the fastest way to escape danger.
Reducing your borrowed amount lowers the denominator in the Health Factor formula, improving your ratio. Even partial repayment helps.
Some assets have higher liquidation thresholds than others. Swapping to assets with better parameters can improve your overall Health Factor.
Let's say you have:
Health Factor = (Collateral × Liq. Threshold) / Debt
Health Factor = ($35,000 × 0.83) / $20,000
Health Factor = $29,050 / $20,000
Health Factor = 1.45
At 1.45, this position is in the "moderate risk" zone. It's safe for now but could become risky if ETH drops significantly.
Health Factor (HF) is a number that represents the safety of your collateralized position in DeFi lending protocols like Aave. It's calculated by dividing your weighted collateral value by your total debt. A Health Factor above 1 means your position is safe; below 1 means you can be liquidated.
A Health Factor of 2.0 or higher is considered safe. Between 1.5-2.0 is acceptable but should be monitored. Between 1.1-1.5 is risky and you should consider adding collateral or repaying debt. Below 1.1 is dangerous and requires immediate action.
When your Health Factor drops below 1, your position becomes eligible for liquidation. Liquidators can repay up to 50% of your debt and claim your collateral plus a liquidation bonus (typically 5-10%). You lose part of your collateral and pay a penalty, so it's important to keep your HF above 1.
Different tokens have different risk profiles based on their volatility, liquidity, and market cap. Stablecoins like USDC have higher thresholds (80%) because they don't fluctuate much. Volatile tokens like LINK have lower thresholds (68%) to account for larger price swings. ETH is in between at 83% due to its high liquidity and moderate volatility.