Chapter 13 Plan Payment Calculator
The free chapter 13 plan payment calculator below will help you estimate both the minimum monthly plan payment needed for a feasible chapter 13 plan, and payment you may actually need based on your budget input. This tool is free to use and does not require you to input any contact information.
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I created this free chapter 13 plan payment calculator based on my over 18 years of practicing bankruptcy law and helping clients navigate chapter 13. This tool takes your budget into account so it can estimate both the minimum payment needed for a feasible plan and the payment you may actually need based on your financial information.
Usually you would have to subscribe to an expensive bankruptcy software to get both of these figures. This is not a lead capture form, so you won't be asked to give us your contact info. Feel free to use it as many times as you like. If needed, we've made it possible for you to create a PDF of your results so you can save them for your records, print them, or take them to a bankruptcy consultation with your local bankruptcy law firm.
How to Use the Chapter 13 Plan Payment Calculator
You should use this tool as an educational resource to get an idea of what your chapter 13 plan might look like. Do not rely on it as legal advice. I made this form easy to use. Just enter your information in the fields below and hit continue. At the end, the calculator will give you the following educational estimates based on your input:
- Median income results
- Estimated plan length (in months)
- Required monthly payment for a feasible plan (estimated minimum)
- Likely monthly payment based on your full input
- Budget feasibility (can you file a successful chapter 13 plan based on your budget input?)
- Estimated net amount required for debts/arrears/fees
- Estimated unpaid attorney fees included (if you think you will have an attorney)
- Your disposable income
- What you would pay in a 60 month plan
- What you would pay in a 36 month plan
Chapter 13 Plan Payment Calculator
Chapter 13 plan payments depend on many factors, including local court and trustee practices. This tool gives an educational estimate only, not legal advice.
Median-income reference date: April 1, 2026.
Calculator Budget Questions
If you have questions about what you can count in your budget, that's understandable. A great place to get clarification is the official instructions for schedule J which is the schedule that chapter 13 debtors use to input their budget information. This form will have detailed instructions on what types of expenses you are allowed to use.
Go To Your Local Chapter 13 Trustee Website for Expense Guidelines
Another great resource for acceptable expense amounts is your local chapter 13 trustee's website. It is common for chapter 13 trustees to publish their expense guidelines. The expenses they publish are what they generally consider reasonable for completing schedule J. If your local trustee doesn't have guidelines published, you could search for the guidelines from a chapter 13 trustee within the same state.
This calculator provides an educational estimate only. It is not legal advice. Actual chapter 13 plan payments depend on your full financial picture, local court practice, trustee requirements, claims filed, and other case-specific factors.