What happens if my income is below the state median?

If your annualized Current Monthly Income (average gross earnings over the 6 full calendar months prior to filing) is less than or equal to the state median for your household size, you automatically qualify for Chapter 7 without completing the secondary expense deductions.

What are the 60-month disposable income thresholds?

If your 60-month projected disposable income after IRS allowable deductions is less than $9,075, you pass. If it exceeds $15,150, a statutory presumption of abuse arises, meaning you must file Chapter 13 or show special circumstances.

أمريكامحدث لعام 2026legal

US Bankruptcy Chapter 7 Means Test Calculator (Form 122A-2) 2026

Calculate eligibility for Chapter 7 bankruptcy debt liquidation under the statutory Means Test (11 U.S.C. § 707(b)), comparing Current Monthly Income (CMI) to state median income and IRS allowable living expense standards.

الشؤون القانونية والتنظيمية المالية والاستثمار الرواتب والأجور الشهرية

النتيجة النهائية

60-Month Projected Disposable Income

18,000$

بيانات ومدخلات الحساب

Current Monthly Income (CMI - 6-Month Gross Average)

خيارات سريعة:

Household / Family Size

persons

خيارات سريعة:

State Median Income for Household Size (Census Data)

خيارات سريعة:

60-Month Projected Disposable Income

18,000$

Annualized Current Monthly Income (CMI)

74,400 ‎$‎

Monthly Net Disposable Income

300 ‎$‎

Annual Income Above (+) / Below (-) State Median

-13,600 ‎$‎

If your annualized Current Monthly Income (CMI) is below your state median income, you pass the Means Test automatically. If above median, IRS allowable standard deductions determine if 60-month disposable income triggers a presumption of abuse.

المرجع النظامي / القانوني: Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA, 11 U.S.C. § 707(b)(2) & Official Bankruptcy Form 122A-2)تاريخ التحقق والتحديث: 2026-09-04

آلية ومعادلة الحساب القانونية

Annualized CMI = Average Monthly Gross Income past 6 months * 12. Median Buffer = State Median Income - Annualized CMI. If Annualized CMI <= State Median, Chapter 7 is immediately approved. If above, 60-Month Disposable Income = (Monthly Income - IRS Allowable Standards) * 60. If 60-Month Disposable < $9,075, you pass; if > $15,150, presumption of abuse arises.

الأسئلة الشائعة

The Means Test was established under the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) to determine whether a debtor has sufficient disposable income to repay unsecured creditors through a Chapter 13 repayment plan rather than liquidating debts in Chapter 7.

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US Bankruptcy Chapter 7 Means Test Calculator (Form 122A-2) 2026

بيانات ومدخلات الحساب

آلية ومعادلة الحساب القانونية

الأسئلة الشائعة

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