DeFi Lending Calculator
Calculate your lending position's health factor, liquidation price, and net yield using live data from DefiLlama.
Position Setup
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Value: $0.00
Default for ETH: 82.5% (Aave V3)
Yield Settings
Health Factor
0.00
Liquidatable
Current LTV
0.0%
Max: 82.5%
Liquidation Price
$1212.12
0.0% drop
Yield Summary (365 days)
Position Summary
Live Data: Prices and yields from DefiLlama. Click on a lending pool to apply its rates.
Understanding DeFi Lending Metrics
Health Factor
The Health Factor (HF) measures the safety of your collateralized loan. It represents how far your position is from liquidation:
- HF > 2: Very safe position with significant buffer
- HF 1.5–2: Safe position, but monitor during volatility
- HF 1.2–1.5: Moderate risk, consider adding collateral
- HF 1–1.2: High risk, immediate action recommended
- HF < 1: Position is liquidatable
Liquidation Price
The Liquidation Price is the price at which your collateral will be liquidated:
When the collateral price falls to this level, liquidators can repay your debt and claim your collateral (usually with a bonus).
Liquidation Threshold
The Liquidation Threshold (LT) is the maximum loan-to-value ratio before liquidation. Different assets have different thresholds based on their volatility:
- ETH: ~82.5% (less volatile, higher threshold)
- WBTC: ~75% (bridged asset, moderate threshold)
- Altcoins: ~65% (more volatile, lower threshold)
Net APY Calculation
Your Net APY combines the yield earned on supplied collateral minus the interest paid on borrowed assets:
Risk Management Tips
- Maintain a health factor above 1.5 during normal conditions, higher during volatile markets
- Set price alerts near your liquidation price to take action before liquidation
- Consider the spread between supply and borrow APY—negative net yield means you're paying to borrow
- Stablecoin collateral eliminates liquidation risk from price volatility
- Some protocols offer liquidation protection or self-repaying loans
Related Tools
- Stablecoin Yield Screener — Find the best lending yields across protocols (data from DefiLlama)
- Yield Comparison Dashboard — Compare DeFi lending rates to bank savings and treasury yields
- APR to APY Calculator — Convert between APR and APY for accurate yield comparisons
- Position Size Calculator — Size your lending positions based on risk tolerance
- Real Yield Guide — Understand the difference between real and subsidized yield
Live rates sourced from DefiLlama. Rates change frequently based on market conditions.