---
title: "Loan vs sell calculator"
method: GET
path: "/api/v1/calculators/loan"
tags: ["Calculators"]
---

# Loan vs sell calculator

`GET /api/v1/calculators/loan`

Borrow against crypto vs sell it — compares both scenarios using the coin's
CURRENT price. Informational projection, not financial advice.

## Query parameters

- `slug` string, required — The coin's slug identifier.
- `crypto_amount` number, required — How much of the coin you hold.
- `needed_cash` number, required — USD you need to free up.
- `term_months` integer, nullable — Loan term in months (default 36).
- `interest_rate` number, nullable — Loan APR in % (default 10).
- `ltv` number, nullable — Loan-to-value ratio in % (default 50).
- `expected_growth` number, nullable — Expected coin price growth over the term in % (default 25).
- `tax_rate` number, nullable — Capital-gains tax in % applied to the sale (default 25).

## Response `200`

- object
  - `data` object
    - `current_price` string
    - `collateral_value` number
    - `max_loan` number
    - `loan_possible` boolean
    - `loan_scenario` object
      - `monthly_payment` number
      - `total_payback` number
      - `total_interest` number
      - `net_value` number
    - `sell_scenario` object
      - `crypto_sold` number
      - `capital_gains_tax` integer
      - `net_value` number
    - `better_scenario` string
    - `opportunity_cost` number
    - `break_even_growth` number
    - `risk_level` string
  - `meta` object
    - `coin` string
    - `currency` string
    - `note` string

---

[API](https://skmtc.net/bitculator/apis/bitculator-data-api.md) · [All operations](https://skmtc.net/bitculator/apis/bitculator-data-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/bitculator/bitculator-data-api/revisions/ed1378af68b6/schema)