Lending health-factor simulator
Model an Aave-style health factor from your own collateral, debt, prices and liquidation thresholds. Compare a price scenario and repayment needed for a chosen target.
Inputs
Hypothetical example. Replace these inputs with your own.
Result
Calculation result
Example result
- Scenario health factor
- 1.28 ratio
- Current modeled health factor
- 1.6 ratio
- Scenario collateral value
- 3,200 USD
- Scenario debt value
- 2,000 USD
- Threshold-weighted scenario collateral
- 2,560 USD
- Current collateral value
- 4,000 USD
- Current debt value
- 2,000 USD
- Threshold-weighted current collateral
- 3,200 USD
- Scenario weighted threshold
- 80 %
- Eligible collateral minus debt
- 560 USD
- Repayment needed for the target
- 293.33 USD
- Uniform further collateral drop to HF 1
- 21.875 %
- This is a static aggregate USD model using your prices and liquidation thresholds. It is not an on-chain account health check or a liquidation transaction.
- Repayment and the further collateral-price drop use the scenario values. The drop scales all collateral prices equally while debt values and thresholds stay fixed.
- Interest accrual, live oracle values, e-mode, isolation, caps, asset eligibility, close factors, liquidation bonuses and slippage are excluded. USD prices do not assume a stablecoin stays at its peg.
- Threshold-weighted values in the asset breakdown are scenario collateral values. Debt rows have no eligible collateral value.
- Current health factor is above 1 in this model. This is not a safety guarantee.
- Scenario health factor is above 1 in this model. This is not a safety guarantee.
| Position type | Supplied label | Current value · USD | Scenario value · USD | Scenario eligible collateral · USD |
|---|---|---|---|---|
| Collateral | Example collateral | 4,000 | 3,200 | 2,560 |
| Debt | Example USD debt | 2,000 | 2,000 | Not defined |
Saved scenarios
Save up to 20 new-tool scenarios on this device, separately from the six existing tools. Prices and balances stay out of the URL. DCA, journal and correlation scenarios save settings and a digest, requiring the matching CSV again to calculate.
Saving requires browser storage and Web Locks.
Formula and worked example
Health factor = sum(collateral quantity × price × liquidation threshold) / total debt value. Prices and thresholds are your assumptions. Repayment to target = max(0, debt − threshold-weighted collateral / target).
Hypothetical example: two units at $2,000 with an 80% threshold against $2,000 debt give HF 1.6. A collateral price of $1,600 gives HF 1.28; repaying about $293.33 reaches a modeled target of 1.5. This static model excludes interest accrual, e-mode, isolation, asset eligibility, live oracle values and actual liquidation execution.
These estimates use bounded decimal arithmetic. They are scenario calculations, not trading instructions or forecasts.
Methodology sources: Aave health-factor model and limitations
Related tasks and reading
This website is developed by Zack White and Vincent Hale.