Chapter 7 Means Test Calculator — Find Out If You Qualify
Chapter 7 Means Test Calculator
A friendly, fast way to see where you stand — then get clear next steps from Ziegler Diamond Law.
What Is the Chapter 7 Means Test?
The Chapter 7 Means Test calculator helps estimate whether your household qualifies for Chapter 7 bankruptcy protection.
First, your annualized income is compared to the median income for your state and household size. If you’re under the median,
you generally qualify. If you’re over, the test allows certain deductions—like mortgage or rent, car payments, taxes, insurance, and other
necessary living costs—to determine whether Chapter 7 still makes sense.
Real life budgets aren’t one-size-fits-all. That’s why this calculator lets you enter common deductions to produce a more practical snapshot.
Use it as a helpful starting point—then schedule a conversation with our team for personalized guidance.
Current Median Income (Florida)
| Household Size | Median Annual Income |
|---|---|
| 1 | $65,801 |
| 2 | $81,109 |
| 3 | $93,983 |
| 4 | $107,712 |
| Each additional person | + $11,100 |
Note: We’ll confirm the most recent DOJ/UST numbers during your consultation and adjust for your state if needed.
Try the Chapter 7 Means Test Calculator
Enter your annualized household income, household size, and common deductions. We’ll estimate how you compare to the median.
Common Annual Deductions
Disclaimer: This tool provides an estimate only and does not guarantee eligibility. The Means Test includes additional
adjustments and rules not covered here. Get tailored advice by speaking with an attorney.
Chapter 7 Means Test Calculator — FAQs
What is the Chapter 7 Means Test?
It’s a two-step analysis comparing your income to your state’s median and, if needed, subtracting allowed expenses to determine Chapter 7 eligibility.
How do I use this calculator?
Enter income, household size, and common deductions. The tool estimates whether you’re under or over the median for your household size.
Which deductions can I include?
Mortgage/rent, car payments, taxes, insurance. Additional allowable expenses may apply—reviewed during your consultation.
What if I’m above the median?
You may still qualify after Part 2 expense analysis. Many clients pass once deductions are properly applied.
Are income numbers the same nationwide?
No, medians vary by state and household size. We’ll confirm the latest DOJ/UST figures for your state.
Does this guarantee I qualify?
No—this is an estimate only and not legal advice. Speak with an attorney for a definitive assessment.
