Section 03 — Calculators

Means Test Math & Courtroom Costs

These calculators show you the arithmetic involved in bankruptcy. They do not determine your eligibility. Median income figures below are placeholders — each carries a VERIFY badge until replaced with sourced values from ust.gov.

Part 1 of 2 — Means Test Income Comparison

Your Current Monthly Income vs. State Median

Enter your gross monthly income (before taxes) for each of the 6 full calendar months before your planned filing month. The tool will compute your Current Monthly Income (CMI) as defined by 11 U.S.C. 101(10A), then compare it to your state median.

Filing State

Household Size

Gross Monthly Income — 6 Months Before Filing

Month 1 ago

Month 2 ago

Month 3 ago

Month 4 ago

Month 5 ago

Month 6 ago

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Total income (6 months)	$0
Current Monthly Income (CMI = total / 6)	$0
Annualized CMI (CMI x 12)	$0
State median income for --, household of 1[VERIFY][URL VERIFY]	[VERIFY — enter from ust.gov]
Difference (your annualized CMI minus state median)	Enter verified median above

This is arithmetic, not a verdict. Being above or below the median is the first step of the means test, not the conclusion. If your CMI is above the median, a second calculation of allowable expenses follows. This tool shows you the numbers. The complete official means test form (Form 122A-1) is what counts. All median figures must be verified at ust.gov before relying on them.

Part 2 of 2 — Courtroom Cost Breakdown

Your Out-of-Pocket Filing Costs

These are the costs you pay to the court and to course providers — separate from any attorney fees. All amounts are VERIFY placeholders until confirmed at uscourts.gov.

Chapter

Estimated Mailing / Copying ($)

Cost Item	Amount	Note
Court filing fee (Chapter 7)[URL VERIFY]	$0 (verify)[VERIFY]	Ch7: $338 / Ch13: $313 — verify current
Credit counseling course[URL VERIFY]	$10–$25 (verify)[VERIFY]	Typical $10–$25. Source: U.S. Trustee 2026 — verify current
Debtor education course[URL VERIFY]	Up to $50 (verify)[VERIFY]	Typical up to $50. Source: U.S. Trustee 2026 — verify current
Estimated mailing / copying	$25	Your estimate
Estimated total (low end)	$25[VERIFY]	Plus mailing/copying estimate

Fee Waiver and Installment Payments

If your income is at or below 150% of the federal poverty guidelines, you may qualify for a filing fee waiver (eliminating the fee entirely). If waiver is not available, installment payments are allowed. The income thresholds are [VERIFY]. Ask your bankruptcy court clerk about the waiver application (Form B 103B).