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.
Below is a quick estimate to check the median income limit. You can then use our longer means test calculator below to estimate whether you qualify and how much bankruptcy may cost you in your state.
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. This calculator considers the most updated means testing filing data for 2026.
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.
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.
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, potentially some disability income, VA disability and possibly military pensions.
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:
Chapter 7 Means Test and Income Limit by State:
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.