Calculator and income documents on a desk illustrating a Chapter 7 median income calculator.

Chapter 7 Median Income Calculator

Use the calculator below to compare your household income to your state's chapter 7 median income for your household size. This is a free tool for the public and does not require any contact information from you, like email or phone number.

Portrait of attorney Casey Yontz, bankruptcy lawyer
Written by Casey Yontz, Bankruptcy Attorney (18+ years bankruptcy experience)
Legally reviewed by Benjamin Wright, Bankruptcy Attorney (18+ years experience)
Last reviewed on
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This median income calculator was built by bankruptcy attorney Casey Yontz based on more than 18 years of experience helping clients evaluate chapter 7 bankruptcy eligibility.

How the Chapter 7 Median Income Calculator Works

This is a quick and easy to use median income calculator. Enter your state, household size, and income into the calculator below. Once this is done push "See My Median Income Result", and Voilà you will see whether you are over or under your state's median income.

For most, this is the first step in the chapter 7 means test. If your income is below your state's median income level for your household size, you usually do not have to go on and complete the rest of the means test. If your income is above the median, that does not automatically mean you cannot file chapter 7. It usually means that you will have to complete the rest of the means test.

If you are above your state's median income and want to know if you could still qualify, or you just want to experiment, check out our means test calculator, which will guide you through the rest of the test.

Check If Your Household Is Under the Chapter 7 Median Income in Your State

Use this chapter 7 median income tool to estimate whether your household income is under your state's Chapter 7 median threshold. Enter your household size and gross monthly income for both debtor and co-debtor, and the calculator will compare the annualized total to your selected state limit.

This is an educational estimate only and not legal advice. A full means-test analysis can still qualify some filers above median after deductions.

Median income dataset effective April 1, 2026. For household sizes above 4, this calculator adds $11,100 per additional person.

This calculator is for educational purposes only and is not legal advice. The median income figures used in this calculator are based on the U.S. Trustee median income tables.

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