Illinois Chapter 7 Means Test Calculator (2026)
The Illinois Chapter 7 Means Test (Part 1)
Compare your household income to the Illinois median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
How The Illinois Means Test Works
The Illinois means test runs in two parts. Part 1 compares your annualized income to the Illinois median for your household size, shown above; at or below it, you generally qualify for Chapter 7 in Illinois. Above it, Part 2 (Form 122A-2) subtracts allowed living expenses, and many above-median Illinois filers still pass. Social Security is generally excluded from the income figure. For the full national walkthrough, see our Chapter 7 means test guide.
What Happens Over The Illinois Median
Landing over the Illinois median moves you to Part 2, where Form 122A-2 deducts housing, transportation, taxes, healthcare, and support. Many Illinois households pass once those come out. If Chapter 7 still does not fit, Chapter 13 or a settlement program is worth weighing.
Other Ways Out Of Debt In Illinois
Chapter 7 is one tool, not the only one. Many Illinois 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 Illinois?
It is the Illinois median family income for your household size. Effective July 15, 2026, it is $73,180 for 1 person, $93,934 for 2, $113,625 for 3, and $137,902 for 4, adding $11,100 per additional person. At or below that Illinois figure, you generally pass Part 1.
What if my income is above the Illinois median?
Being above the Illinois median does not automatically disqualify you. Part 2 of the means test subtracts allowed living expenses, and many above-median Illinois filers still qualify for Chapter 7 after those deductions.
Does this calculator run the full Illinois 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 Illinois 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 Illinois, 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
