Loan-to-Value Calculator
Calculate the loan-to-value (LTV) ratio of a mortgage or loan by dividing the loan amount by the property value.
- Equity
- $60000 (20%)
Formula: LTV = loan amount ÷ property value × 100
About Loan-to-Value Calculator
Loan-to-Value Calculator is a free online calculator that gives you an instant, accurate result as you type. Calculate the loan-to-value (LTV) ratio of a mortgage or loan by dividing the loan amount by the property value.
The calculation uses the standard formula LTV = loan amount ÷ property value × 100 and updates live with every change to the inputs. Everything runs client-side in your browser — fast, private, and free to use as often as you like.
US conventional lenders typically require private mortgage insurance (PMI) when LTV exceeds 80%, which is why 20% down payments are the classic benchmark.
Frequently Asked Questions
Is Loan-to-Value Calculator free to use?
Yes. Loan-to-Value Calculator is completely free, with no sign-up, no downloads, and no usage limits. You can use it as many times as you like on any device with a web browser.
How accurate is this calculator?
The calculator applies the standard formula (LTV = loan amount ÷ property value × 100) with full floating-point precision and rounds only the displayed result. For most practical purposes the results are exact.
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