Calculate loan-to-value ratio: LTV = Loan / Value × 100.
Loan-to-Value Calculator
Loan-to-Value Ratio
LTV = Loan / Value × 100
$
$
LTV Ratio
80.00%
Equity
$60000
✓ Good (≤80%)
Loan vs Value
About this calculator
What is the Loan-to-Value Calculator?
Loan-to-Value Calculator calculate loan-to-value ratio: ltv = loan / value × 100. It is part of Home of Calculators's Real Estate Calculators suite for rental yield, cap rate, mortgage, and property investment analysis. The calculator is designed for investors, realtors, homebuyers, but anyone can use it. No signup, no ads, no tracking. Just accurate math, computed locally in your browser using a BigNumber-precision math engine.
Formula Reference
The Formula
LTV = (Loan Amount / Property Value) × 100
Loan-to-Value ratio compares the loan amount to the appraised property value. Lenders use LTV to assess risk — a lower LTV means more equity and less risk. Most lenders require LTV ≤ 80% to avoid PMI.
Variables
LoanLoan amount ($)ValueProperty value ($)Worked Example
Loan = 240000Value = 300000
Result: LTV = 80%
How to use the Loan-to-Value Calculator
- 1
Determine loan amount
This is the amount you want to borrow.
- 2
Get property value
Use the appraised value or purchase price (whichever is lower).
- 3
Calculate ratio
LTV = (Loan / Value) × 100. Below 80% is generally preferred.
Quick tips
- All calculations run locally in your browser; your data never leaves your device.
- For best results on mobile, rotate to landscape when entering many values.
- Bookmark this page to come back to your calculation anytime.
- Need a different calculator? Try our visual builder to create your own.
Why Home of Calculators
- 100% private (calculations run in your browser)
- 128-bit BigNumber precision (no rounding errors)
- Works on any device: phone, tablet, desktop
- Free forever (no signup, no ads, no upsells)
Frequently asked questions
Is the LTV accurate?
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Yes. Home of Calculators uses a BigNumber-precision math engine (64-128 decimal digits) to ensure calculations are accurate. We run 96+ automated tests covering unit conversion, financial formulas, health formulas, and more. For critical decisions (financial, medical, legal), we still recommend consulting a qualified professional.
Is the Loan-to-Value Calculator free?
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Yes. Every calculator on Home of Calculators is 100% free, with no signup, no ads, and no hidden fees. The entire platform is free forever.
Do you store the values I enter?
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No. All calculations happen in your browser. We never see, store, or transmit your inputs to any server. Your data stays on your device.
Can I use the LTV on my phone?
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Yes. Home of Calculators is fully responsive and works on any device (phone, tablet, laptop, or desktop). The interface adapts to your screen size.
Can I embed this calculator on my own website?
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Yes. Click the "Share" button to get an iframe embed code. The embedded calculator will look like any other Home of Calculators widget. You can also build a fully customized version using our visual builder.
Can I build my own custom calculator?
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Absolutely. Home of Calculators's visual builder lets you add fields, write formulas, choose a theme, and brand the result with your own logo, all without writing code.