Chapter 7 Median Income Calculator
Is my household income above or below the median for my state?
- You provide
- Your state and household size
- You receive
- A current median-income comparison
Free Bankruptcy Tools
Use private educational calculators, estimators, and decision tools to explore bankruptcy questions before deciding what to do next.
No name, email address, or phone number is required to use the nine tools in this directory.
Nine private educational tools
Choose a Tool for the Question You Are Exploring
These tools provide educational estimates and issue checklists—not legal advice or a prediction of what a court will decide. You can use every tool in this directory without giving us your name, email address, or phone number.
Eligibility & Chapter Choice
Chapter 7 Means Test Calculator
How could income and allowed expenses affect Chapter 7 eligibility?
- You provide
- Household, income, and expense information
- You receive
- An educational means-test estimate
Chapter 7 vs. Chapter 13 Decision Tool
Which chapter-related issues may matter most in my situation?
- You provide
- Your goals, debts, income, and property concerns
- You receive
- A guided chapter comparison
Property & Exemptions
Bankruptcy Exemption Risk Estimator
Could exemption rules affect property I want to protect?
- You provide
- Property values, loans, and location
- You receive
- An educational property-risk estimate
Bankruptcy Exemption Law Finder
Which state’s exemption laws may apply after a move?
- You provide
- Your recent residency history
- You receive
- An educational exemption-law estimate
Homestead Exemption Estimator
How might homestead exemptions apply to home equity?
- You provide
- Location, home value, and secured debt
- You receive
- An educational homestead estimate
Vehicle Exemption Estimator
How might vehicle exemptions apply to car equity?
- You provide
- Location, vehicle value, and loan balance
- You receive
- An educational vehicle estimate
Repayment & Student Loans
Chapter 13 Plan Payment Calculator
What factors may affect a Chapter 13 plan payment?
- You provide
- Income, expenses, debts, and property information
- You receive
- An educational payment-range estimate
Student Loan Discharge Checker
Which factors may matter in a student-loan discharge review?
- You provide
- Loan, repayment, income, and hardship information
- You receive
- An educational issue checklist