Chapter 7 Means Test Calculator

First-pass comparison against your state median income. If you pass, Chapter 7 is presumed appropriate. All math in your browser — no data sent.

State Household Size Current Monthly Gross Income ($)

6-month average of ALL household income before taxes. Include wages, business income, rental income, pension, unemployment, interest/dividends. Excludes Social Security.

Disclaimer: 2024 state median income figures used. Actual current-period medians may have adjusted. "Passing" the median-income test means Chapter 7 is presumed appropriate — the case can still be challenged on bad-faith grounds. Failing the median test does NOT mean Chapter 7 is blocked — you may still qualify by completing the full Form 122A-2 with itemized expense deductions. This is a first-pass screen, not legal advice.