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Loan to Value Calculator for Calculating LTV Ratio

Calculator Preferences
Loan to Value Calculator Sign
Loan to Value Calculator

This calculator will calculate the LTV ratio for either your current home, or a home you are looking to buy -- for up to three mortgages or leans against the property. Plus, the results include a pie chart for a visual reference of the equity to debt ratio. The Learn tab includes:

  • What LTV is.
  • How to calculate LTV.
  • What the numbers mean.
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Home value:Est. home value:Estimated home value:Estimated home value:

Estimated home value:

Enter the estimated value of your home, without the dollar sign and commas. If you are not sure what your home is worth, research what homes similar to yours are selling for in your area. That should give you a fairly good estimate.

1st mtg bal:1st mtg balance:First mortgage balance:First mortgage balance:

First mortgage balance:

Enter the current principal balance (payoff amount) of your first mortgage, without the dollar sign or commas.

2nd mtg bal:2nd mtg balance:Second mortgage balance:Second mortgage balance:

Second mortgage balance:

Optional: Enter the current principal balance (payoff amount) of a second mortgage if you have one, without the dollar sign or commas.

3rd mtg bal:3rd mtg balance:Third mortgage balance:Third mortgage balance:

Third mortgage balance:

Optional: Enter the current principal balance (payoff amount) of a third mortgage if you have one. Include any other liens you might have against your home. Leave out the dollar sign and commas.

Total owed:Total amt owed:Total amount owed on home:Total amount owed on home:

Total amount owed on home:

This is the total of all mortgages and liens against your home.

1st LTV:1st LTV ratio:First mortgage LTV ratio:First mortgage LTV ratio:

First mortgage LTV ratio:

This is the Loan-to-Value Ratio for just your first mortgage.

2nd LTV:2nd LTV ratio:Second mortgage LTV ratio:Second mortgage LTV ratio:

Second mortgage LTV ratio:

This is the Loan-to-Value Ratio for just your second mortgage.

3rd LTV:3rd LTV ratio:Third mortgage LTV ratio:Third mortgage LTV ratio:

Third mortgage LTV ratio:

This is the Loan-to-Value Ratio for just your third mortgage and/or other liens.

Total LTV:Total LTV ratio:Total Loan-To-Value ratio:Total Loan-To-Value ratio:

Total Loan-To-Value ratio:

Based on your entries, this is your total combined Loan-to-Value Ratio.

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

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Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.