Regulation Crowdfunding lets non-accredited investors buy into startups, but caps how much any one investor can put in across all Reg CF offerings in a 12-month period.
How it works
If either income or net worth is below the threshold, the limit is the greater of $2,500 or 5% of the lesser figure. If both are at or above the threshold, the limit rises to 10% of the lesser figure, capped at the maximum aggregate limit.
What this does not include
This does not include the fact that accredited investors are exempt from this cap entirely — this calculator applies only to non-accredited investors using the Reg CF exemption.
How to use this calculator
- Enter annual income and net worth.
Frequently asked questions
Does this limit apply per company or across all Reg CF investments?
Across all Reg CF offerings combined in a rolling 12-month period, not per individual company or platform.
Why does the SEC cap crowdfunding investments at all?
Startup investing carries a high failure rate, and Reg CF specifically opens that risk to non-accredited investors — the caps limit how much of any one investor’s finances could be wiped out by a bad outcome.
Does the limit reset every calendar year?
No — it’s a rolling 12-month window, not tied to the calendar year, so it’s tracked from the date of each investment forward.
