Calculator
Two quick tools. One shows what your principal can earn, the other shows how much you can spend and how safe that is. Every input is yours to change.
1. How much can my principal pay for?
Set your collateral and the APY you expect. Real yield varies and the app reads it live from Ether.fi.
Spendable every month
$146
Per year
$1,750
Principal stays
$50,000
Earning right now (per second)
$0.0000000Illustrative only. Real yield varies and is read live from the Ether.fi contracts. Borrowing against collateral carries liquidation risk. This is not financial advice.
2. How much can I spend, and how safe is it?
Credit lines are based on a loan-to-value (LTV) ratio. The health factor tells you how far you are from liquidation.
Available to spend
$15,000
Max credit line
$25,000
Outstanding debt
$10,000
Health factor (simplified)
2.50x
Simplified model for learning. Real limits, rates and liquidation thresholds are set by Ether.fi’s DebtManager and will be read live in the app.
How we calculate
No black boxes, these are the exact formulas used above.
Yearly yield
collateral × APY
Monthly spendable
yearly yield ÷ 12
Per second
yearly yield ÷ 31,536,000
Max credit line
collateral × max LTV
Available to spend
max credit line − outstanding debt
Health factor (simplified)
max credit line ÷ outstanding debt
How to read the health factor
Above 1.5x
Safe
Comfortable buffer against price swings.
1.2x to 1.5x
Warning
Thin buffer. Consider repaying or adding collateral.
Below 1.2x
At risk
Close to liquidation. Act now.
What these tools leave out
Ready when you are.
The app is on its way. Get in early, or keep exploring.