About the Loan-to-Value Calculator
Calculate your loan-to-value (LTV) ratio and combined LTV, and see how much equity you have in a property.
Also known as: ltv calculator, loan to value ratio, cltv, home equity calculator.
How to use this calculator
- Enter loan balance, second loan / heloc (optional), property value.
- The result updates instantly as you type — press Calculate (or Enter) at any time.
- Review the breakdown shown under the main result.
- Use Copy result or Share to save the answer or send a link with your inputs.
Formula
LTV = loan ÷ property value × 100
Worked example
Using the values pre-filled in the calculator above:
- Loan balance = 240,000
- Second loan / HELOC (optional) = 0
- Property value = 320,000
the calculator returns:
- LTV: 75%
- Combined LTV: 75%
- Equity: 80,000
- PMI likely?: No