💰 Finance
LTV Calculator
LTV is the loan amount divided by the property value. It drives the interest rate a lender offers and, in the United States, whether private mortgage insurance is required — that usually kicks in above 80%. Combined LTV adds any second loans secured on the same property.
How it works
Property value
First loan amount
Additional secured loans
Loan-to-value ratio
Combined loan-to-value ratio
Equity in the property
Equity share
Largest loan that avoids PMI
Frequently asked questions
How do I use the LTV Calculator?
Fill in the fields above — the result recalculates instantly as you type. Everything runs in your browser, so the values you enter are never collected or stored.
Is this calculator free?
Yes. It is completely free, requires no account, and works on phones, tablets and desktops.