Michigan bankruptcy means test calculator

See whether your income qualifies you for Chapter 7 bankruptcy in Michigan, using the official median income figures for cases filed on or after July 15, 2026.

State

People in your household

You, your spouse, and anyone you support who lives with you.

Your average monthly gross income $

Before taxes, averaged over the last 6 full months. Include wages, self-employment, rental, and pension income.

Your spouse's average monthly gross income $

If you are married and live together, even if your spouse is not filing.

Other regular monthly income $

Child support, alimony, unemployment, regular help from family. Do not include Social Security.

Enter your state, household size, and income to see your result.

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Michigan median income

Household size	Median annual income
1 person (1 earner)	$67,352
2 people	$83,432
3 people	$103,449
4 people	$123,010
5 people	$134,110
6 people	$145,210
7 people	$156,310
8 people	$167,410

For households larger than 4, add $11,100 for each additional person. Source: U.S. Trustee Program.

How the means test works in Michigan

The means test decides whether you can file Chapter 7. Add up your household's gross income from the 6 full calendar months before you file and divide by 6. That is your "current monthly income." Multiply it by 12 and compare the result with the median income for a household your size in Michigan.

At or below the median: you generally qualify for Chapter 7, and you only fill out Official Form 122A-1.
Above the median: you also complete Official Form 122A-2, which subtracts allowed expenses to see whether you could repay part of your debts.

This calculator is an estimate. The official forms count some kinds of income differently, so confirm your result with the full forms or a lawyer. Read the Michigan bankruptcy guide for courts, fees, and exemptions.

What is the means test median income in Michigan?

For cases filed on or after July 15, 2026: $67,352 for 1 person, $83,432 for 2, $103,449 for 3, and $123,010 for 4, plus $11,100 for each additional person.

What income counts for the means test?

Your gross income from all sources over the 6 full calendar months before you file, averaged per month. That includes wages, business and rental income, pensions, unemployment, and regular contributions from others. Social Security benefits are not counted.

What if my income is above the median?

You may still qualify for Chapter 7 after a second calculation that subtracts allowed living expenses (Official Form 122A-2). If you do not, Chapter 13 lets you repay part of your debts over 3 to 5 years.

Next step: prepare your forms

Our free tool runs the means test with your real numbers and fills in the official court forms.

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