Accredited Investor Net Worth Calculator

How the net-worth test actually works

Under SEC Regulation D, Rule 501(a), you're an accredited investor by net worth if your net worth — alone, or joint with a spouse or spousal equivalent — is at least $1,000,000, excluding the value of your primary residence. Net worth is simply everything you own minus everything you owe, with three specific adjustments for your home:

• Your primary residence is not an asset for this test — leave its value out entirely.
• The mortgage on your primary residence is not a liability — up to the home's fair market value. A typical mortgage on a home worth more than you owe is a wash, so it doesn't help or hurt you.
• If the mortgage is larger than the home is worth, the "underwater" excess does count as a liability. There's also a narrower rule: if you take on new primary-home debt in the 60 days before you invest (other than to buy the home), that increase counts against you — a guardrail against last-minute borrowing to hit the threshold.

Didn't hit $1 million? You may still qualify

Net worth is only one of several paths. You're also accredited if you meet the income test — over $200,000 individually (or $300,000 jointly with a spouse) in each of the last two years, with a reasonable expectation of the same this year — or if you hold certain professional licenses (Series 7, 65, or 82 in good standing). Our free eligibility quiz walks all five routes in about a minute.

From "I qualify" to a letter a sponsor will accept

A calculator can tell you where you likely stand. It can't satisfy a 506(c) sponsor — for that, the issuer needs reasonable verification, and the cleanest route is a written confirmation from a licensed professional. AccreditedNow has a licensed CPA review your documents and issue that letter, typically within 24 hours, for $99. The letter is portable — reuse it with any sponsor for 90 days.