Chapter 7 Means Test Estimator

Chapter 7 means test — first pass

Step 1 of the means test compares your household's average gross income over the last 6 months, annualized, against the median income for a household of your size in your state. This tool does that comparison — it does not embed the median-income table itself, since it changes over time. Look up your number from the official table first.

Open the U.S. Trustee Program's current median family income table (opens in a new tab):justice.gov/ust — Means Testing Informationand find the figure for your state and household size.
Enter that figure, and your own household's annualized income, below.

Your household's annualized gross income ($)Average of the last 6 months' gross income, × 2.State median for your household size ($)

Passing this first step means you can generally proceed with Chapter 7. Being over the median doesn't disqualify you — it means a second, more detailed calculation (IRS allowable-expense standards) applies, which this tool doesn't yet cover. Not legal advice; a bankruptcy attorney can run the full calculation.

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