Florida Chapter 7 Means Test Calculator (2026)
The Florida Chapter 7 Means Test (Part 1)
Compare your household income to the Florida median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
How The Florida Means Test Works
The Florida means test runs in two parts. Part 1 compares your annualized income to the Florida median for your household size, shown above; at or below it, you generally qualify for Chapter 7 in Florida. Above it, Part 2 (Form 122A-2) subtracts allowed living expenses, and many above-median Florida filers still pass. Social Security is generally excluded from the income figure. For the full national walkthrough, see our Chapter 7 means test guide.
If You Are Above The Florida Median
Being above the Florida median does not end it. Part 2 subtracts allowed expenses, and many above-median Florida filers still pass. If Chapter 7 does not fit, Chapter 13, debt settlement, or a debt management plan might. Bankruptcy is a lasting decision, so compare the options first.
Other Ways Out Of Debt In Florida
Chapter 7 is one tool, not the only one. Many Florida households resolve their debt through settlement or a management plan instead of a filing, each with its own trade-offs on cost, credit, and time. It is worth seeing which fits before you decide. CuraDebt does not provide legal or tax advice. There is no cost to check debt-relief options, and there is no obligation to continue. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
Frequently Asked Questions
What is the income limit for Chapter 7 in Florida?
It is the Florida median family income for your household size. Effective July 15, 2026, it is $69,876 for 1 person, $86,523 for 2, $97,540 for 3, and $114,761 for 4, adding $11,100 per additional person. At or below that Florida figure, you generally pass Part 1.
What if my income is above the Florida median?
Being above the Florida median does not automatically disqualify you. Part 2 of the means test subtracts allowed living expenses, and many above-median Florida filers still qualify for Chapter 7 after those deductions.
Does this calculator run the full Florida means test?
No. It runs Part 1, the income screen, using the official July 15, 2026 medians. It does not calculate Part 2 expense deductions, so treat the result as a starting point and confirm with a licensed bankruptcy attorney.
Is Social Security counted in the Florida means test?
Social Security benefits are generally excluded from current monthly income for the means test, though most other income is included. A bankruptcy attorney can confirm what counts in your specific situation.
Does CuraDebt give legal advice or file bankruptcy in Florida, and is it a law firm?
CuraDebt does not provide legal or tax advice. There is no cost to check debt-relief options, and there is no obligation to continue. CuraDebt is not a law firm and does not provide legal or tax advice. Results vary and are not guaranteed.
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Related Resources
- National Chapter 7 means test calculator
- Bankruptcy exemptions calculator
- Debt settlement vs. bankruptcy
- All debt and tax calculators
