Chapter 7 Means Test Calculator

Use our simple chapter 7 means test calculator below to help you find out if you can qualify for chapter 7 bankruptcy. This is a free tool for the public and does not require any contact information from you, like email or phone number.

Written by Casey Yontz, JD, bankruptcy legal content editor

Legally reviewed by Benjamin Wright, Bankruptcy Attorney

Last reviewed on April 14, 2026

How This Article Was Reviewed▾

This article was written or updated by our editorial team and reviewed by an attorney for legal accuracy, clarity, and consistency with current bankruptcy law and official forms.

Meet Our Contributors | Read Our Editorial Policy

How We Review This Educational Content▾

We review key legal statements against reliable sources, including bankruptcy statutes, official forms, and attorney editorial review. We also review related articles for consistency and update pages when important thresholds, forms, or procedures change.

The review date reflects the most recent time this page was evaluated for accuracy or materially updated by our editorial team. This content is for informational purposes only and is not legal advice.

About the Author | About the Legal Reviewer

Why You Can Trust This Page▾

US Bankruptcy Help is a legal education publisher. We create bankruptcy education content to help readers better understand the law, the filing process, and common issues that may arise. We identify our authors and reviewers, link to contributor pages, and publish our editorial standards so readers can evaluate the source of the information for themselves. US Bankruptcy Help is not a law firm, does not represent readers, and does not provide legal advice. Attorney-written or attorney-reviewed content is published for educational and editorial quality purposes only.

This means test calculator was built by bankruptcy attorney Casey Yontz, based on over 18 years of experience helping clients evaluate chapter 7 bankruptcy eligibility and the means test.

How to Use the Chapter 7 Means Test Calculator

The chapter 7 means test calculator below walks you through the entire means test, including the more detailed sections that are required if you are over your state's median income. If you need to find out whether or not you are over your state's median income level, you can use our chapter 7 median income calculator, or just stay right here.

By using this tool you can get an idea of what information is required on the official means test forms. It allows you to input your income, expenses, and other required information so you can get an idea of whether or not you may be able to qualify for chapter 7. At the end of the test there is an option to print or create a pdf of your results for your records.

Chapter 7 Means Test Calculator (Educational)

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

Filing stateFiling typeDependents (additional people other than filer(s))

If filing alone, household starts at 1. If filing jointly, household starts at 2. Add only additional dependents here.

Do you own or rent your primary residence?Are your debts primarily consumer debts?

Consumer debts are usually personal, family, or household debts.

Do you believe you may qualify for the military / National Guard / reservist exemption (Form 122A-1Supp)?Expected filing month

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).

Learn More About the Means Test

For more information on how, and even why this all works, see our detailed guide on the chapter 7 means test. Please be aware that this calculator is for educational purposes only and should not be substituted for legal advice.

The median income figures used in this calculator are based on the U.S. Trustee median income tables. Another good source for questions about the means test is the official means test forms page. There you may be able to get answers to specific questions as you go through the test.

US Bankruptcy Help is an educational publisher, not a law firm. This page provides general information, not legal advice.

Explore More National Bankruptcy Guides

Explore Bankruptcy Help by State

Browse our state guides to learn exemptions, means test rules, costs, and local procedures. Use these links to jump between states and compare your options.