Chapter 7 Means Test

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Chapter 7 Means Test
Pre-Qualification

Find out if your income qualifies you for Chapter 7 bankruptcy protection. This calculator takes about 3–5 minutes.

⚠️Disclaimer: This tool provides a preliminary estimate only and does not constitute legal advice. Please consult with our attorneys for personalized guidance.
Data Sources:
Median Income: U.S. Trustee Program —
Expense Standards: IRS National Standards —

Household Information

Tell us about your household so we can look up the median income for your state.

Include yourself, spouse, and dependents living with you.

✓
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Single
Not married
✓
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Married Filing Jointly
Combined income
✓
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Married Filing Separately
Individual filing

Used for health care expense allowances.

If yes, we’ll include your county’s IRS Local Standards for housing and transportation.

Monthly Income

Enter your average gross monthly income from all sources over the past 6 months (before taxes and deductions).

$

Wages, salary, bonuses, self-employment, rental income, pensions, etc. Do NOT include Social Security.

Income Comparison

Step 1 of the Means Test compares your annual income to your state’s median.

Your Annual Income
State Median

Expenses & Deductions

The means test uses IRS standard allowances plus your actual monthly payments and contributions.

Your Actual Monthly Payments

Enter amounts you actually pay each month. Leave blank if not applicable.

$

Credit cards, medical bills, personal loans — total balance

Total Monthly Deductions (IRS Standards + Actual Payments)
$0
⚠️ Important: This is a simplified estimate. The official means test (Form 122A-2) uses IRS Local Standards for housing and transportation specific to your county. Schedule a free consultation for a complete analysis.
Data effective for cases filed on or after . Source: U.S. Trustee Program.
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