Aave Borrowing Calculator

WHAT IT DOES

Aave Borrowing Calculator provides read-only access to Aave V3 pool contract state on EVM-compatible blockchains. It calculates borrowing positions by reading current pool state, reserve data, and user account information. The tool reads pool contract state, reserve data, user account data, token balances, token decimals, borrow rates, utilization rates, health factor, liquidation threshold, LTV, debt ceiling, reserve configuration, interest rate strategy, price oracle data, stable rate data, variable rate data, reserve factor, protocol data provider, chain ID, and block timestamp. All calculations are performed on-chain through your connected provider — no funds are ever at risk.

HOW TO USE

Connect your EVM-compatible wallet (MetaMask, WalletConnect, or similar) to establish a provider connection. Select the network that matches the Aave pool you wish to inspect (Ethereum Mainnet, Polygon, Avalanche, Arbitrum, Optimism, Base, or others). Paste the pool contract address — the tool does not hardcode any address, giving you full flexibility to inspect official Aave deployments or fork contracts. Enter a user address to check their borrowing position, or leave it empty to use your connected wallet. Optionally specify an asset address and borrow amount to simulate how a new borrow would affect the health factor. Click "Calculate borrowing position" to fetch and display the current state, including total collateral, total debt, available borrows, current LTV, liquidation threshold, and health factor with color-coded warnings.

HOW IT WORKS UNDER THE HOOD

The tool uses a multi-step read strategy to assemble a complete borrowing position analysis. First, it connects to the provider and validates the pool contract address. It then calls getUserAccountData on the pool contract to retrieve the user's total collateral base, total debt base, available borrows base, current LTV, liquidation threshold, and health factor — all in 18-decimal precision. If an asset address is provided, the tool reads getReserveData to fetch the variable and stable borrow rates, along with other reserve configuration parameters. For borrow simulation, the tool adds the specified borrow amount to the user's total debt and calculates a simulated health factor based on the current collateral and liquidation threshold, providing a rough estimate of how the position would change. The tool displays all results in a clear, readable format with color-coded health indicators.

WHAT IT CANNOT SEE

The tool cannot predict future interest rate changes that will affect borrowing costs; interest rates adjust dynamically based on utilization. It cannot verify that the price oracle data is accurate or not manipulated; the tool reads the on-chain oracle but does not validate its integrity. It cannot detect if the user has off-chain debt that affects their true borrowing capacity; only on-chain positions are considered. It cannot guarantee that the calculated health factor will remain above liquidation threshold if asset prices move after the calculation; price volatility can change the position rapidly. It cannot verify that the user's actual debt position matches the simulated position due to pending transactions or accrued interest; the simulation is a snapshot in time. It cannot predict when the next interest rate update will occur; rate updates are triggered by utilization changes.

PLEASE NOTE

This tool works exclusively with EVM-compatible blockchains (Ethereum, Polygon, Avalanche, Arbitrum, Optimism, Base, and similar). It does not support non-EVM chains. The tool is read-only — it never signs transactions or moves funds. Always verify the pool contract address against official Aave documentation before use. The tool is provided as-is with no warranty of any kind.