Bankruptcy means test calculator
Find out in a minute whether your income qualifies you for Chapter 7, using the official figures for cases filed on or after July 15, 2026.
Enter your state, household size, and income to see your result.
Everything is calculated in your browser. Nothing you type is sent anywhere.
Calculator by state
Each state page shows that state's median income for every household size.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
What is the bankruptcy means test?
A test that compares your household's average income over the last 6 months with the median income for a household your size in your state. If your income is at or below the median, you generally qualify for Chapter 7.
Which median income figures does this calculator use?
The official U.S. Trustee Program figures for cases filed on or after July 15, 2026. We check for new figures every week.
Is my information private?
Yes. The calculation runs in your browser, and nothing you type is sent to us.