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What this calculator does
Chapter 7 has a means test based on income and household size. This is a simplified preview, not legal advice.
The math
Annual income = monthly income × 12. If annual income is below state median income for your household size, you likely pass.
Worked example
A $4,000 monthly income in California for a 2-person household is $48,000 annually, below the median and likely eligible.
Why this matters
Legal and medical bills are stressful and opaque. This calculator gives you a starting number and a concrete next question to ask.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Is this a legal opinion?
No. Consult a bankruptcy attorney for an accurate means test.
What if I fail the means test?
Chapter 13 repayment plan may still be an option.