Chapter 13 Bankruptcy Calculator
Estimate your monthly Chapter 13 repayment plan payment
Frequently Asked Questions
The baseline is your secured and priority debts (like a mortgage arrears, car loan, or past-due taxes) divided by your plan length in months, then your monthly disposable income (income minus allowed expenses) is added on top — that combined total goes to your creditors each month.
Three years if your income is below your state's median, five years if it's above. This calculator lets you enter either.
Your monthly income minus IRS-allowed living expenses (housing, food, transportation, healthcare, and similar necessities) under the official means test — not your actual personal budget. This calculator uses a simplified income-minus-expenses estimate rather than the full official means test.
No. The real Chapter 13 means test (Official Forms 122C-1 and 122C-2) uses standardized IRS expense allowances that vary by county and household size. This tool gives a rough estimate only — always confirm your actual plan payment with a bankruptcy attorney.
How the estimate works
Estimated payment = (secured + priority debt ÷ plan length in months) + monthly disposable income. The debt portion ensures your must-pay debts are repaid in full over the plan; the disposable income portion is what unsecured creditors receive.