Indiana Chapter 7 Means Test Calculator (2026)
The Indiana Chapter 7 Means Test (Part 1)
Compare your household income to the Indiana median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
Indiana Chapter 7 Six-Month Income Worksheet
Enter each of the six complete calendar months used for the current monthly income calculation. The worksheet totals the period, calculates the monthly average, and annualizes it. Nothing entered here is stored.
| Household Size | Annual Median | Monthly Equivalent | Six-Month Equivalent |
|---|---|---|---|
| 1 | $64,461 | $5,372 | $32,231 |
| 2 | $81,986 | $6,832 | $40,993 |
| 3 | $95,627 | $7,969 | $47,814 |
| 4 | $115,656 | $9,638 | $57,828 |
For households larger than four, add $11,100 per additional person to the annual figure. Use the official table in effect on the expected filing date.
An Indiana Six-Month Example
Assume a two-person Indiana household received $6,149 in each of the six complete calendar months before filing. The six-month total would be $36,894, the current monthly average would be $6,149, and the annualized income would be $73,788. That is $8,198 below the two-person Indiana median shown on this page. This illustrates the first income comparison only. It does not decide the full means test or Chapter 7 eligibility.
How Indiana Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Indiana median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $64,461 for one person to $115,656 for four people, a difference of $51,195. A five-person Indiana household would use $126,756 before moving to the expense portion of the test.
An Indiana Close-To-The-Line Example
If a two-person household averaged $6,696 monthly during the six-month lookback period, its annualized income would be $80,352. That is only $1,634 below the current two-person Indiana median used here. A bonus, job change, unpaid leave, or a different filing month could change that comparison, which is why the six actual calendar months matter.
Where Location Inside Indiana Can Matter
Indiana is served by the Northern and Southern Districts of Indiana. The correct filing district depends on venue facts such as where a person has lived or kept a principal residence, assets, or business. Part 2 can also use location-sensitive housing and utility standards. Those allowances may differ by county inside Indiana, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Indiana |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Indiana income threshold, including the added amount above four people. |
| Six-Month Income | Uses income received in the six complete calendar months before filing, not simply current salary. |
| County | Can affect location-based housing and utility allowances used in Part 2. |
| Filing District | Determines the federal bankruptcy court that handles the case. |
Records To Gather For An Indiana Review
- Pay statements and other income records for each of the six complete lookback months.
- Documents supporting household size and regular contributions from other household members.
- Housing, utility, vehicle, tax, insurance, child care, support, and secured-debt amounts that may matter in Part 2.
- The expected filing date and county, especially when the result is close to the median.
Official Resources: U.S. Trustee Means-Testing Data · IRS Local Housing And Utility Standards · U.S. Courts Court Locator
How The Indiana Means Test Works
The Indiana means test runs in two parts. Part 1 compares your annualized income to the Indiana median for your household size, shown above; at or below it, you generally qualify for Chapter 7 in Indiana. Above it, Part 2 (Form 122A-2) subtracts allowed living expenses, and many above-median Indiana 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 Indiana Median
Landing over the Indiana median moves you to Part 2, where Form 122A-2 deducts housing, transportation, taxes, healthcare, and support. Many Indiana 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 Indiana
Chapter 7 is one tool, not the only one. Many Indiana 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 Indiana?
It is the Indiana median family income for your household size. Effective July 15, 2026, it is $64,461 for 1 person, $81,986 for 2, $95,627 for 3, and $115,656 for 4, adding $11,100 per additional person. At or below that Indiana figure, you generally pass Part 1.
What if my income is above the Indiana median?
Not a problem on its own. An income over the Indiana median simply moves you to Part 2, which deducts housing, transportation, taxes, and support, and plenty of Indiana filers pass there.
Does this calculator run the full Indiana 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 Indiana 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 Indiana, 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.
Related Resources
- National Chapter 7 means test calculator
- Bankruptcy exemptions calculator
- Debt settlement vs. bankruptcy
- All debt and tax calculators
