Chapter 7 Bankruptcy Means Test Calculator

Free Chapter 7 Means Test Calculator | Texas Bankruptcy Eligibility Tool
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This tool is designed to help you quickly determine if you may qualify for Chapter 7 bankruptcy in Texas based on your household income and family size. Once you complete the steps, you’ll receive a general estimate of your eligibility.

If you’d like to review your situation in more detail and explore your options, we offer a free, no-obligation consultation with an attorney. Simply select the option below, and we will reach out to schedule a convenient time.

Your privacy is important to us. All information you provide in this calculator and during any consultation is confidential.


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Please complete the following information to start.

Enter Your Income for the Last 6 Months




Enter Spouse's Income for the Last 6 Months



Other Income (Monthly Averages)

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Gross Income (Yearly)

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Median Income Threshold (Texas)
for family of 1

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Eligibility Estimate: Calculating...

Means Test FAQ

What is the Means Test in a Chapter 7 Bankrupcy?

The Means Test is a formula that compares your household income to the median income in your state to determine if you qualify for Chapter 7 bankruptcy. It includes your income, spouse’s income (if applicable), and certain deductions. The income used in for the test is the 6 month period before your case would be filed.

What if I am married but filing without my spouse?

Even if your spouse is not filing with you, their income is typically included in the Means Test unless you are legally separated. However, certain deductions and adjustments can apply.

Do I qualify for Chapter 7 Bankruptcy if my income is above the median?

If your income is above the median, you may still qualify for Chapter 7. The first part of the Means Test only considers gross income. If you come in above median income, the Means Test then looks at allowed expenses to determine how much you can afford to pay back your creditors each month. Depending on the results, you may still qualify to file Chapter 7. A bankruptcy attorney can help determine your eligibility if you are above median income.