Bankruptcy Means Test Calculator For Duval County, FL

Jacksonville, Florida 32099

Top Intro TOC Form B122A-1 Form B122A-1Supp Form B122A-2

Duval County Cities:

Means Test Calculator for Duval County, Florida

For cases filed on or after May 15, 2024

Using numbers published by the U.S. Trustee's office for cases filed on or after May 15, 2024 and, based on the official means test forms.

Top Intro TOC Form B122A-1 Form B122A-1Supp Form B122A-2

Introduction: Are You Eligible for Chapter 7 Bankruptcy?

Most people who need bankruptcy protection are eligible, but bankruptcy law sometimes requires you to fill out an eight-page form called "the Means Test" to prove either your household income is lower that the median income in your state, or that your disposable income is too low to sufficiently fund a Chapter 13 plan.

...this calculator will help you find out

The Means Test Calculator applies the formulas, regional income and expense standards, and calculations of the "means test" that was a cornerstone of BAPCPA, the 2005 bankruptcy law (11 U.S.C. 707(b)). It uses the language and formatting of the 2019 version of Official Form B122A-1Official Form B122A-1Supp, and Official Form B122A-2, just a few of several forms you must complete if you decide to file for bankruptcy.

Read the instructions carefully (for official instructions for PDF forms, click here). If you are unsure whether an item applies to your situation, make a note of your question. Ask a bankruptcy lawyer about it if you go for a free consultation.

Anonymous, Free, Self-Help, For the Public —  Millions of Free Calculations Since 2006

The calculator does NOT ask for personal identifying information, other than the county for which the form is being completed. Tens of thousands of people have used it. It's free to use. Please let us know if you find any flaws, and we will fix them.

Note: The calculator now saves your data whenever you press Enter (or Return) within a field or click Save. After saving your data, you must refresh the page to see your updated values integrated into the summaries and the table of contents, which appear outside the form itself. 

So, if you notice stale data in the table of contents or the summary, save your data (by clicking Save or hitting Enter while in a field) and refresh the page. 


Part 1: Income
Florida State "Median Income" Test

Compare your household income over the past six calendar months to the state median. If your monthly household income is less than the Florida median income for a household of your size, you are presumed to be eligible to file for Chapter 7 bankruptcy under Section 707(b)(2).

Florida Bankruptcy InformationMedian Household Income Test for Florida

Compare your household income to the Florida median income.

For Cases Filed on or after May 15, 2024.

Florida Median Income Test
Form B122A-1 (Line 13)

Size* ?
6 Month
1 $5,248 $31,487 $62,973
2 $6,470 $38,820 $77,639
3 $7,492 $44,954 $89,908
4 $8,672 $52,035 $104,069
5 $9,497 $56,985 $113,969
6 $10,322 $61,935 $123,869
7 $11,147 $66,885 $133,769
8 $11,972 $71,835 $143,669
9 $12,797 $76,785 $153,569
10 $13,622 $81,735 $163,469
< If LESS You Pass! - Chapter 7 is an option. Not legally required to complete Form B122A-2, but may want to anyway.
> If MORE - Keep Going! - You must complete Part 2: Form B122A-2 to determine if Chapter 7 is available.

Sources: U.S. Trustee Program, Department of Justice , 11 U.S.C. Sec. 707(b)(7) exclusion. Official Form B122A-1, Line 13

Source: U.S. Trustee, U.S. Department of Justice (for bankruptcy cases filed filed on or after May 15, 2024)

(*The applicable household size is the number that would currently be allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom you support.)

Form B122A-1 requires you to:

  1. total your income for the last six calendar months [Line 11],
  2. average it, then
  3. annualize it, and then
  4. compare it to the Florida median for your size household [Line 13].
    • If your income is below this amount, you meet the requirements of the "means test" (section 707(b)(2) of the bankruptcy code) to qualify for Chapter 7 bankruptcy.
The table above makes it a bit simpler to figure out. Compare your six-month total income over the last six calendar months to the "6 Mo. Total" in the chart below to get a rough idea of which side of the line you fall. Pay attention to the rules about household size.

You must have your browser's cookie functionality turned on to use the calculator.

Part 2 Expenses:
County Expense Standards For Duval County

This part is relevant only if your income is above the state median income. If so, you will need to determine your monthly expenses, using the monthly expense allowance standards for Duval County.

Monthly Expense Standards for Duval County, Florida
For cases filed on or after May 15, 2024
Fam. Size: (Line 5) Non-Mortgage Housing expenses (Line 8) Mortage & Rent (Line 9)
1 $600 $1,123
2 $705 $1,319
3 $743 $1,390
4 $828 $1,550
5 $842 $1,575
6 $842 $1,575
7 $842 $1,575
8 $842 $1,575
9 $842 $1,575
10 $842 $1,575

Eleventh Circuit
Fed Ct: Florida Middle District Bankruptcy Court
Region: Northeast Florida
Subregion: Jacksonville
Metro (MSA): Jacksonville FL
County: Duval (p.995,567)

Nearby Counties


You must allow your browser to set cookies for "" to use the calculator.

if you think you're getting this message in error, try refreshing the page.

Erase All & Start Over?
[=] "Bottom Line Summary"

    Free Bankruptcy Case Evaluation For Duval County, FL

    Do you have questions about filing bankruptcy in Florida, and think you might need a bankruptcy lawyer? Use the form below to connect with the Nolo / Martindale network of bankruptcy lawyers For Duval County, FL.
    SPONSORED FORM - Nolo/Martindale Attorney Network

    Means Test Summary