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-1, Official 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.