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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.

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Calculated Result

60-Month Projected Disposable Income

$18,000

Calculator Inputs

$
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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.

Official Statute: Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA, 11 U.S.C. § 707(b)(2) & Official Bankruptcy Form 122A-2)Last Verified: 2026-09-04

Calculation Methodology

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.

Frequently Asked Questions

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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