Loan-to-Value Ratio Calculator

Calculate your loan-to-value (LTV) ratio for mortgages and loans. Understand your equity and risk level.

Loan Amount

Property Value

Loan-to-Value Ratio

80%

Equity$50,000

Equity Percentage20%

Down Payment$50,000

Down Payment %20%

Risk LevelModerate

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Formula

LTV = (Loan Amount / Property Value) × 100

Calculate your monthly mortgage payment, total interest, and view a full amortization schedule. Compare different loan terms and interest rates.

Find out how much house you can afford based on your income, debts, and down payment. Uses the 28/36 rule for conservative estimates.

Calculate how much you need for a down payment and how long it will take to save. See how different down payment percentages affect your loan.

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