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How do I calculate my net worth?

Your net worth is the sum of all your assets, minus all your liabilities. For purposes of investing on Republic, the value of any primary residence should not be included in your assets. Similarly, any mortgages or other loans on that residence do not count as a liability (up to the fair market value of your home).

If you are investing with your spouse, you can use your combined income or net worth. Your Republic account's investment limit will reflect that combined net worth and income.

For example, Jon Smith, with an annual income of $80,000, invests with his spouse, Jane Doe, with an annual income of $120,000. Together, their combined investment limit is that of a single investor with an annual income of $200,000.

The following table provides a few examples of net worth calculations for the purposes of determining crowdfunding investment limits:

Included liabilities:

Included assets:

Home equity line:

Primary residence (Not included except for related liabilities below):	Jane Doe	John Smith	James Lee
Home value	$300	$300	$300
Mortgage	$200	$200	$200
More than 60 days old	—	$20	—
Less than 60 days old	—	$10	—
Bank accounts	$20	$20	$20
401(k)/IRA accounts	$100	$100	$100
Other investments	$50	$50	$50
Car	$20	$20	$20
Total included assets	$190	$190	$190
Student and car loans	$100	$100	$100
Other liabilities	$20	$20	$20
Portion of mortgage underwater	—	—	$30
Home equity line (Less than 60 days old)	—	$10	—
Total included liabilities	$120	$130	$150
Net Worth	$70	$60	$40

If you are unsure how to calculate your net worth or income, the SEC Investor Bulletin provides more details.

Related: How much can I invest?

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Republic Core LLC (“Core”) provides technology and support services to OpenDeal Inc. and its affiliates (collectively, the “Republic Ecosystem”). Republic Note holders and as well as users of the site and services maintained by the Republic Ecosystem, regardless of and their activities on or relating to the Republic Ecosystem, are subject to the applicable terms of service, in their entirety.

Core is currently conducting an offering of Republic Notes under Rule 506(c) of Regulation D under the Securities Act of 1933, as amended (the “Securities Act”) to persons who are accredited investors, as that term is defined in Rule 501. Only accredited investors are eligible to participate in the Rule 506(c) offering. Accredited investors who wish to participate in the Rule 506(c) offering should receive and review carefully the Private Placement Memorandum pertaining to that offering, as it contains important information for potential investors to consider prior to making an investment decision. Accredited investors who wish to participate in the Rule 506(c) offering will be required to (i) complete a subscription agreement, (ii) acknowledge that they have received and read the Private Placement Memorandum, and (iii) provide information verifying their status as accredited investors.

Core is also “testing the waters” with respect to the sale of Republic Notes under Regulation A of the Securities Act. The “testing the waters” process allows companies to determine whether there may be interest in an eventual offering of its securities to qualified purchasers under Regulation A. Core is not under any obligation to make an offering under Regulation A. No money or other consideration is being solicited for an offering under Regulation A at this time and, if sent, it will not be accepted.

Core may choose to make an offering to some, but not all, of the people who indicate an interest in investing, and that offering may or may not be made under Regulation A. For example, Core may choose to proceed with its offering under Rule 506(c) without ever conducting a Regulation A offering, in which case only accredited investors within the meaning of Rule 501 will be able to buy Republic Notes.

If and when Core conducts an offering under Regulation A of the Act, it will do so only once (i) it has filed an offering statement with the Securities and Exchange Commission (“SEC”), (ii) the SEC has qualified such offering statement and (iii) investors have subscribed to the offering in the manner provided for in the offering statement. The information in the offering statement will be more complete than any test-the-waters materials and could differ in important ways. Prospective investors who are interested in participating in the Regulation A offering must read the offering statement filed with the SEC, when that offering statement becomes publicly available.

No money or other consideration is being solicited at this time in connection with any potential Regulation A offering and, if tendered, will not be accepted. No offer to buy securities in a Regulation A offering can be accepted and no part of the purchase price can be received until an offering statement is qualified with the SEC. Any offer to buy securities may be withdrawn or revoked, without obligation or commitment of any kind, at any time before notice of its acceptance is given after the qualification date. Any indication of interest in Core’s offering involves no obligation or commitment of any kind.

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