Portfolio Loan Calculator
Loan amount available against portfolio value.
Calculate the maximum loan available against a securities portfolio based on margin rate and portfolio value. Free and runs in your browser.
What this tool does
Enter portfolio value and margin rate. The tool shows maximum loan available and margin call threshold.
Enter Values
Value is unusually high — please double-check
Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
Portfolio loans (securities-backed loans) typically let you borrow 50-70% of portfolio value. 500,000 portfolio at 50% margin = 250,000 loan available. Margin call triggers when portfolio drops below maintenance level, typically 30-35%. Cheaper than unsecured credit but the collateral is market-exposed. Liquidation risk in downturns is the structural concern.
Run it with sensible defaults
Using portfolio value of 500,000, margin rate of 50%, maintenance percentage of 35%, the calculation works out to 250,000.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.
The levers in this calculation
The inputs — Portfolio Value, Margin Rate, and Maintenance Percentage — do not pull with equal force. The rate and the time horizon usually dominate — compounding means a small change in either reshapes the final figure more than a similar shift in contribution size. Test this by doubling one input at a time.
How the math works
Portfolio × margin rate = max loan. Margin call threshold = max loan / maintenance percentage. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".
What the headline rate hides
Lenders quote a rate; what you pay is a blend of that rate, fees, insurance, and any early-repayment penalty built into the product. The figure here isolates the core interest cost so you can compare like-for-like across deals — then add the other costs separately before signing anything.
What this doesn't capture
The figure excludes arrangement fees, valuation costs, legal fees, insurance, and any early-repayment charges — those can add several thousand to the headline cost. Rate changes at renewal for fixed-term deals will shift the picture further. Use this for the core interest/principal math and add the other costs on top.
Portfolio loan produces a loan amount based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Portfolio × margin rate = max loan. Margin call threshold = max loan / maintenance percentage.
References
Frequently Asked Questions
Is this better than a mortgage?
What triggers margin call?
Tax implications?
Best use cases?
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