Chapter 7 Means Test Calculator
Find out in 30 seconds whether your income qualifies for Chapter 7 bankruptcy in Arizona — free, anonymous, no email required.
Chapter 7 bankruptcy has an income limit called the means test. If your household income is at or below the Arizona median for your household size, you automatically pass the income portion of the means test. If you're above, you may still qualify after deducting allowed expenses — but it takes a closer look.
This calculator runs the first step of that test using the most recent published figures (April 2026).
This tool is for educational use only. It runs only the income portion of the means test (Form 122A-1, Line 13). Even if you're above the median, you may still qualify under the full means test calculation (Form 122A-2). And being below the median doesn't automatically mean Chapter 7 is the right choice for your situation. The numbers shown are not legal advice — talk to an attorney before making a filing decision.
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