Kansas Chapter 7 Means Test Calculator (2026)
The Kansas Chapter 7 Means Test (Part 1)
Compare your household income to the Kansas median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
Kansas 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 | $69,197 | $5,766 | $34,599 |
| 2 | $87,441 | $7,287 | $43,721 |
| 3 | $103,852 | $8,654 | $51,926 |
| 4 | $125,971 | $10,498 | $62,986 |
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.
A Kansas Six-Month Example
Assume a two-person Kansas household received $6,558 in each of the six complete calendar months before filing. The six-month total would be $39,348, the current monthly average would be $6,558, and the annualized income would be $78,696. That is $8,745 below the two-person Kansas 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 Kansas Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Kansas median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $69,197 for one person to $125,971 for four people, a difference of $56,774. A five-person Kansas household would use $137,071 before moving to the expense portion of the test.
A Kansas Close-To-The-Line Example
If a two-person household averaged $7,141 monthly during the six-month lookback period, its annualized income would be $85,692. That is only $1,749 below the current two-person Kansas 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 Kansas Can Matter
Kansas is served by the District of Kansas. 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 Kansas, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Kansas |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Kansas 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 A Kansas 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
The Two Parts Of The Kansas Means Test
Part 1 in Kansas is the income screen above: your annualized income against the Kansas median for your household size. Clear it and you generally qualify. If your Kansas income is higher, Part 2 deducts housing, transportation, taxes, and support on Form 122A-2, and a large share of Kansas filers pass there. Social Security generally does not count. Our national means test guide covers Part 2 in detail.
Over The Kansas Median Is Not A Dead End
A Kansas income above the median just means Part 2 decides it. After the allowed Kansas living-expense deductions, a real share of filers qualify anyway. And if Chapter 7 is not right for you, settlement or Chapter 13 can each solve the problem in a different way.
Other Ways Out Of Debt In Kansas
Chapter 7 is one tool, not the only one. Many Kansas 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 Kansas?
It is the Kansas median family income for your household size. Effective July 15, 2026, it is $69,197 for 1 person, $87,441 for 2, $103,852 for 3, and $125,971 for 4, adding $11,100 per additional person. At or below that Kansas figure, you generally pass Part 1.
What if my income is above the Kansas median?
Not a problem on its own. An income over the Kansas median simply moves you to Part 2, which deducts housing, transportation, taxes, and support, and plenty of Kansas filers pass there.
Does this calculator run the full Kansas 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 Kansas 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 Kansas, 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
