Accredited Investor Net Worth Gap Calculator

See whether your investable balance clears the accredited investor bar. Enter qualifying assets and liabilities to calculate your adjusted net worth, the remaining gap or surplus versus the $1 million threshold, and the percentage of the requirement you satisfy.

Exclude your primary residence and only include assets the SEC counts.
Exclude mortgages secured by the primary residence unless underwater.
Defaults to $1,000,000 if blank to mirror SEC rules.
Defaults to 0%. Apply a discount if you want to haircut closely held assets.

Informational tool only. Confirm accredited investor eligibility with your legal counsel or fund administrator before committing capital.

Examples

  • $1,450,000 in qualifying assets, $200,000 liabilities, 10% haircut ⇒ Qualifying net worth after haircut: $1,105,000.00 USD • Accredited investor threshold applied: $1,000,000.00 USD • Surplus above requirement: $105,000.00 USD • Coverage vs. requirement: 110.50% • Illiquid asset discount applied: 10.00%
  • $650,000 assets, $120,000 liabilities, threshold left blank ⇒ Qualifying net worth after haircut: $530,000.00 USD • Accredited investor threshold applied: $1,000,000.00 USD • Shortfall to qualify: $470,000.00 USD • Coverage vs. requirement: 53.00%

FAQ

Which assets count toward the accredited investor test?

Cash, brokerage accounts, retirement accounts, certain private company equity, and vested stock awards count, while primary residence equity and personal property generally do not.

Should I include contingent liabilities?

Add co-signed debt or guarantees if you would be required to satisfy them, because regulators look at obligations you could realistically owe.

What if my net worth fluctuates with markets?

Re-run the calculation with stressed asset values or apply a haircut so you can document a consistent surplus before subscription paperwork.

Additional Information

  • Primary residences and mortgages tied to them are excluded under SEC Rule 501.
  • Discounting illiquid holdings can reveal a conservative buffer before you present net worth statements.
  • Households applying jointly must each individually meet the income test or jointly exceed the net worth threshold.

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