Chapter 13 Plan Payment Calculator
If you are thinking about filing chapter 13 as a way to get your finances in order and want to get an idea of what your plan payments might be, we created the chapter 13 plan payment calculator below to help you out. You should use this tool as an educational resource, and not a final determination of what your payments will be in chapter 13.
How to Use the Chapter 13 Plan Payment Calculator
The calculator walks through many of the major factors that can affect chapter 13 plan payments, including your goals, income, assets, budget, secured debts, arrears, and priority debts. When you are finished, the calculator will output the following educational estimates:
- Estimated plan length
- Required minimum monthly payment for a feasible plan
- Likely actual monthly payment range
- Budget feasibility (does your budget allow for the required minimum payment?)
- Estimated amount required to cover debts/arrears/fees
- Estimated unpaid attorney fees to be paid through the plan (if any)
- Your disposable income (DMI)
- What you would pay in a 60 month plan
- What you would pay in a 36 month plan
The form also includes a button that lets you create a PDF of your results, which you can save or print for your records.
Chapter 13 Plan Payment Calculator | Yontz Law, PLLC.
Please enter your information below and press continue.
Median-income reference date: April 1, 2026.
Questions About Budget Expenses
It's normal to have questions about what you can and cannot count as expenses in your budget. A great place to get some insight for this is the bankruptcy court's official instructions for schedule J. Schedule J is the form on the bankruptcy petition where you enter your budget items when you actually file a bankruptcy case. The official instructions for schedule J provide useful guidance about the types of expenses that may be included.
Chapter 13 Trustee Expense Guidelines
In Arizona, some chapter 13 trustees publish expense guidelines. Chapter 13 Trustee Maney publishes his chapter 13 expense guidelines for schedule J. Here in Arizona, all three trustees appear to follow similar guidelines. While actual expenses should be used, these guidelines can give you an idea of what is common.
The calculator above should only be used as an educational tool. It is not legal advice.
Bankruptcy Help Across Arizona
We work with individuals and families in the Phoenix metro area and in communities across Arizona. In office, phone and virtual appointments are available. Choose a city below to find local bankruptcy guidance, common issues we often see in that area, and practical next-step resources.