SyndicatePath Tools · For Investors
Crowdfunding Calculator
How much can you legally invest in equity crowdfunding? Enter your annual income and net worth for an instant SEC Regulation Crowdfunding limit. Free, no signup.
Spouses may combine income and net worth. Net worth excludes the value of your primary residence.
How the crowdfunding investment limit works
Regulation Crowdfunding (Reg CF) lets everyday investors buy equity in startups through SEC-registered portals such as Wefunder, StartEngine, and Republic. To protect non-accredited investors, the SEC caps how much you can invest across all crowdfunding offerings in any rolling 12-month period.
| Your situation | 12-month limit |
|---|---|
| Either income or net worth below $124,000 | Greater of $2,500 or 5% of the greater of income or net worth |
| Both income and net worth at/above $124,000 | 10% of the greater of income or net worth |
| Aggregate cap (everyone non-accredited) | $124,000 total across all offerings |
| Accredited investors | No Reg CF limit |
Crowdfunding exemptions compared
"Crowdfunding" usually means Reg CF, but two other exemptions raise money from the public. Investor limits differ:
| Exemption | Max raise / 12 mo | Investor limit |
|---|---|---|
| Reg CF | $5,000,000 | 5%/10% formula, $124,000 cap |
| Reg A+ (Tier 2) | $75,000,000 | 10% of the greater of income or net worth (non-accredited) |
| Reg D 506(c) | Unlimited | Accredited investors only |
Frequently asked questions
How much can I invest in crowdfunding?
If either your annual income or net worth is under $124,000, you can invest the greater of $2,500 or 5% of the greater of the two. If both are $124,000 or more, you can invest 10% of the greater, up to a $124,000 aggregate cap across all offerings in any 12-month period.
What is the most I can invest per year?
The aggregate Reg CF limit for a non-accredited investor is $124,000 across all crowdfunding offerings in any 12-month period, no matter how high your income or net worth.
Do the limits apply to accredited investors?
No. Accredited investors have no Regulation Crowdfunding investment limit. Not sure if you qualify? Use the Accredited Investor Checker.
Can my spouse and I combine our numbers?
Yes. Spouses may calculate annual income and net worth jointly when applying the limit.
How is the 12-month crowdfunding limit calculated?
It runs on a rolling 12-month window, not the calendar year. Every Reg CF investment counts against the same limit for 12 months from the date you make it. Your allowance is the greater of $2,500 or 5% of the greater of income or net worth if either is under $124,000, or 10% of the greater if both are $124,000 or more, capped at $124,000 total.
Does my home count toward net worth?
No. Your primary residence is excluded from net worth for this limit. Subtract any mortgage or loans secured by the home up to its fair market value; anything owed above the home's value counts as a liability.
How do Reg A+ and Reg D limits compare to Reg CF?
Reg CF caps non-accredited investors at the 5%/10% formula with a $124,000 aggregate limit. Reg A+ (Tier 2) limits non-accredited investors to 10% of the greater of income or net worth. Reg D 506(c) is open to accredited investors only, with no per-investor limit.
Do platform fees affect how much I can invest?
No. Portal fees are charged to the company raising money, not to you, so they don't change your SEC investment cap. Founders can estimate those costs with the Reg CF Raise Cost Calculator.
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Educational tool, not legal, financial, investment, or tax advice. SEC Regulation Crowdfunding investor limits per Investor.gov and SEC.gov. Thresholds are inflation-adjusted; last verified 2026-07-21.