See how your household income compares to your state's median for Chapter 7 bankruptcy. The means test compares your annualized 6-month average gross income to the U.S. Trustee median family income for your household size. This is an educational estimate, not legal advice.
Your household’s total income before taxes, averaged over the 6 months before filing.
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This is an educational estimate, not legal advice or a guarantee of eligibility. Median figures effective 2026-04-01; source: U.S. Trustee Program (DOJ).
Methodology
How This Tool Works
The first part of the Chapter 7 means test (Official Form 122A-1) takes your gross income from the most recent 6 calendar months, divides by 6 to get a monthly average, and multiplies by 12 to annualize it. That annualized figure is compared to the U.S. Trustee median family income for your state and household size. If your income is at or below the median, your case is not presumed to be an abuse and Chapter 7 is generally available. If it is above the median, you complete Form 122A-2, which deducts allowed living expenses to determine whether a presumption of abuse arises. The median tables used here reflect the U.S. Trustee median family income tables, effective April 1 2026; these tables are updated periodically, so figures change over time. This calculator is an educational estimate only and is not legal advice. People's Justice is not a law firm and does not provide legal advice; we connect you with licensed attorneys, and we are not a government agency. An attorney can confirm your actual eligibility.