Chapter 7 Bankruptcy Means Test Calculator (2024)

Use the free Chapter 7 means test calculator based on the bankruptcy means test to estimate Chapter 7 bankruptcy qualification. The calculator takes 2- 5 minutes to complete.
Information in this article does not constitute legal advice, it is for informational purposes only, and may not constitute the most up-to-date information. Readers should contact their attorney for advice on any particular legal matter.

Updated: 3/28/2024

The US bankruptcy means test forms are complex, so we built a free Chapter 7 means test calculator below to help you estimate Chapter 7 qualification.

The calculator is 100% free and is based on the US bankruptcy forms. The calculator can estimate the all-in cost of Chapter 7 bankruptcy in addition to providing the pros and cons of Chapter 7 bankruptcy. You can also compare Chapter 7 to other options. Not even an email address is required (unless you want to save the results or want additional help) as we wanted to provide a completely free resource to help you understand the bankruptcy option.

Once you finish the Chapter 7 means test calculator, you will see a results screen like the Chapter 7 calculator results image below. This estimate is for a user in Louisiana.

Chapter 7 means test calculator results example image
The Chapter 7 means test calculator results will show an estimate of whether you qualify in addition to the all-in cost of Chapter 7 bankruptcy.


Now that you have your results, the purpose of this article is to help you estimate your Chapter 7 qualification and explain how the Chapter 7 means test calculator works.

Keep on reading or, jump ahead to the section that interests you most.

Table of Contents

How Does The Chapter 7 Means Test Calculator Work?

The Chapter 7 means test calculator above mirrors the Chapter 7 statement of income bankruptcy form.

First, the Chapter 7 calculator works to understand your income from all your different income sources. It generally does not include social security income and potentially some disability income. 

Income can be complex, but the Chapter 7 means test calculator helps break down your income into language relatable to the bankruptcy means test.

Next, the Chapter 7 means test calculator compares it to the median income allowable by your state. The income is based on household size, state, and income level. It will look at the household gross income before taxes. If you are married, you may have to include your spousal income.

See the language of the means test form below:

How Chapter 7 Means Test Compares Income

Chapter 7 Means Test and Income Limit by State:

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

Conclusion

The Bankruptcy Means Test is complicated. A free Chapter 7 means test calculator can help you estimate Chapter 7 qualification before having a bankruptcy consultation. The purpose of this article is to explain how it works to make you the most informed about Chapter 7 bankruptcy qualification.

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