Chapter 7 Means Test Calculator
We created this chapter 7 means test calculator to help you estimate whether you may qualify for chapter 7 bankruptcy based on the bankruptcy means test. You should use this as an educational tool only and not a final determination of whether or not you could pass the means test.
How to Use the Chapter 7 Means Test Calculator
Simply answer the questions on the form and press continue as you move along. At the end of the test, you will see a final result with the following information:
- Whether or not you pass the means test based on your input
- Combined monthly income
- Total monthly deductions (this number will include standard as well as actual deductions)
- Monthly disposable income
- Projected 60 month disposable income (this figure is also useful for determining the amount needed to pay certain creditors in chapter 13 bankruptcy
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 7 Means Test Calculator | Yontz Law, PLLC.
Educational estimate only. This Chapter 7 means test calculator is not legal advice, does not create an attorney-client relationship, and cannot account for every legal nuance. Attorney review may still be necessary.
Step 1: Initial Screening
If filing alone, household starts at 1. If filing jointly, household starts at 2. Add only additional dependents here.
Consumer debts are usually personal, family, or household debts.
Median-income dataset effective April 1, 2026. IRS/local standards preset date: Configurable - update with current IRS + USTP data. Presumption thresholds: $10,025 and $16,700 (60-month).
More Means Test Help
The test above will give you your median income results, but the U.S. Trustee median income tables are also a good place to check median income limits. The official means test forms are a great place to get descriptions and examples of expenses you may use in the means test. Not every expense is allowed, but the official forms and instructions can give you an idea of what you may be able to claim as a deduction in the means test. Also check out this detailed means test guide for more information on the means test and how it works.
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