Federal certification personal net worth calculator
Can you clear one of the most common economic reasons SBA and DOT DBE certification applications get denied: the personal net worth test? We compare your figures with each program’s published thresholds and exclusion rules as you enter them.
Educational only • Calculated in your browser • Nothing stored
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Cash and liquid assets
These assets begin the personal net worth figure used by both programs.
Waiting on: cash and bank balances, your home value, your mortgage balance, your applicant business value, your retirement balance, your other assets, your other liabilities, your 3-year average income
Waiting on: cash and bank balances, your home value, your mortgage balance, your applicant business value, your retirement balance, your other assets, your other liabilities, how you hold your primary residence
Primary residence
Home equity is treated differently by each program. We apply each program’s published exclusion rule automatically.
Business and liabilities
Business value and personal debts are treated separately under the published tests.
Retirement
Vested retirement is excluded from both programs, so it will not count against you.
Three-year average income
The SBA applies a separate income test. DOT DBE does not use this figure.
Waiting on: cash and bank balances, your home value, your mortgage balance, your applicant business value, your retirement balance, your other assets, your other liabilities, your 3-year average income
Waiting on: cash and bank balances, your home value, your mortgage balance, your applicant business value, your retirement balance, your other assets, your other liabilities, how you hold your primary residence
Not a determination. Only the certifying body decides.
Can you clear the personal net worth test?
Waiting for cash and bank balances before we can compare you with the published SBA rule.
Waiting for cash and bank balances before we can compare you with the published DOT DBE rule.
The financial thresholds are one part of certification
When you appear to meet the published financial thresholds, the next chapter is whether your business appears to satisfy the other certification requirements. Each requirement is cited to its official source. You write your own answers and file everything yourself. We prepare, you file.
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