Means Test Calculator for Your County, For Cases Filed on or after November 1, 2022

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• Means Test Calculator Table of Contents

  The means test spans three forms and more than 50 questions about your income and expenses. Here's a line by line TOC with direct links to our Means Test Calculator.

• Texas Median Income For Bankruptcy Means Test - For Cases on or after November 1, 2022

  The means test initially looks to see if your household income is above or below median for a household your size in Texas.

• What Is the Means Test?

  The 2005 Bankruptcy Law (BAPCPA) created the means test, ostensibly to prevent people from abusing bankruptcy. The means test mans you can't file for Chapter 7 bankruptcy if your income is above the median income for Texas, or your allowed expenses leave enough disposable income to fund pay some of your debts over 5 years. In fact, most people who file for Chapter 7 bankruptcy have no trouble passing the means test.