Margin Loan Calculator — Interest, LTV & Margin Call

How to use

1. Enter your portfolio value and the amount borrowed.
2. Enter the annual interest rate your broker charges.
3. Enter the maintenance margin % from your broker agreement.
4. Press Calculate to see interest, LTV and the call level.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Borrowing against a portfolio multiplies both gains and losses, and most margin calculators stop at the interest line. This one continues to the numbers that actually keep you up at night: annual, daily and per-period interest on what you borrowed, your loan-to-value ratio, the exact portfolio value where a maintenance call triggers — borrowed amount divided by one minus your maintenance requirement — and the percentage drop from today's value that would take you there. If your current equity is already below the maintenance line, the page says so in plain red letters. Brokers commonly require 25–40% maintenance despite the FINRA 25% floor, so enter your real number. Everything computes locally in your browser. It is an educational estimate, not professional advice — margin involves forced-liquidation risk governed by your broker agreement.

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