Chapter 13 Plan Payment Calculator — Monthly Plan Estimate

Estimate your monthly plan payment. The trustee commission (10%) and required priority/secured payments are added on top of any disposable-income commitment.

Plan Length Priority Debts ($)

Recent taxes, domestic support arrears, federally guaranteed student loans. Must pay in full.

Secured Arrears to Cure ($)

Total missed mortgage + car payments you want to catch up on.

Unsecured Debt Total ($)

Credit cards, medical, personal loans. Only paid to the extent of disposable income or best-interests test.

Monthly Disposable Income ($)

Above-median: required amount from Form 122A-2 calculation. Below-median: what you can afford after living expenses.

Non-Exempt Equity / Best-Interests Floor ($)

Value of property unprotected by exemptions. Unsecureds must get at least this much over the plan.

Disclaimer: This estimator uses the core Chapter 13 math: priority + arrears + max(disposable × length, non-exempt equity) + 10% trustee commission, divided by plan length. Actual trustee commissions vary 3-10% by district. Unsecured creditor distribution is the residual after priority/secured/trustee are paid. Admin fees, attorney fees, and feasibility constraints may push the required payment higher. Not legal advice. Consult a licensed bankruptcy attorney for plan confirmation.