Aave health factor calculator
Enter one collateral and one debt on an Aave V3 market. Prices and liquidation thresholds come from live Aave data. A health factor below 1.00 means the loan can be liquidated.
Health factor
–
- Collateral value
- –
- Debt value
- –
- Most you could borrow
- –
- Liquidation price
- –
- Price drop to get there
- –
This calculator covers Aave V3. Aave V4 works out health differently, so for a V4 loan use the wallet checker, which shows the health factor Aave itself reports. This is a simplified single-collateral, single-debt estimate without E-Mode. The liquidation price assumes the debt's price stays put. Health factor explained. To see how much you could borrow and still survive a fall, try the liquidation price calculator.
How the health factor is worked out
The health factor compares what your collateral is worth, discounted by its liquidation threshold, with what you owe:
health factor = collateral value x liquidation threshold / debt value
With 10 ETH at $3,000 and an 83% liquidation threshold, the collateral counts for $24,900. Borrow $15,000 and the health factor is 24,900 / 15,000 = 1.66. The liquidation price is the collateral price at which that number falls to exactly 1: here $15,000 / (10 x 0.83), or about $1,807 per ETH, a drop of roughly 40%.
The most you could borrow uses the lower loan-to-value limit instead of the liquidation threshold, which leaves a buffer between your borrowing limit and the point of liquidation. Both limits are set per asset and per market, so the same collateral can be safer on one market than another. The calculator fills them in from live data.
Health factor: quick answers
What is a good health factor on Aave?
Anything above 1 avoids liquidation, but many borrowers keep it above 1.5 to 2 so that a sharp price drop does not push it under 1.
What happens when my health factor goes below 1?
Your loan can be liquidated: someone repays part of your debt and takes some of your collateral at a discount, the liquidation bonus. You keep what you borrowed, but lose that collateral.
How do I raise my health factor?
Repay part of the debt or add more collateral. Both work straight away.
Does this calculator work for Aave V4?
No. V4 works out health with collateral factors and a risk premium. For a V4 loan, the wallet checker shows the health factor Aave itself reports.