Kentucky Chapter 7 Means Test Calculator (2026)
The Kentucky Chapter 7 Means Test (Part 1)
Compare your household income to the Kentucky median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
Kentucky 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 | $61,652 | $5,138 | $30,826 |
| 2 | $73,892 | $6,158 | $36,946 |
| 3 | $85,212 | $7,101 | $42,606 |
| 4 | $109,443 | $9,120 | $54,722 |
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 Kentucky Six-Month Example
Assume a two-person Kentucky household received $5,542 in each of the six complete calendar months before filing. The six-month total would be $33,252, the current monthly average would be $5,542, and the annualized income would be $66,504. That is $7,388 below the two-person Kentucky 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 Kentucky Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Kentucky median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $61,652 for one person to $109,443 for four people, a difference of $47,791. A five-person Kentucky household would use $120,543 before moving to the expense portion of the test.
A Kentucky Close-To-The-Line Example
If a two-person household averaged $6,035 monthly during the six-month lookback period, its annualized income would be $72,420. That is only $1,472 below the current two-person Kentucky 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 Kentucky Can Matter
Kentucky is served by the Eastern and Western Districts of Kentucky. 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 Kentucky, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Kentucky |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Kentucky 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 Kentucky 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
Over The Kentucky Median Is Not A Dead End
A Kentucky income above the median just means Part 2 decides it. After the allowed Kentucky 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.
How The Kentucky Means Test Works
The Kentucky means test runs in two parts. Part 1 compares your annualized income to the Kentucky median for your household size, shown above; at or below it, you generally qualify for Chapter 7 in Kentucky. Above it, Part 2 (Form 122A-2) subtracts allowed living expenses, and many above-median Kentucky 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 Chapter 7 Is Not The Right Fit In Kentucky
Not everyone in Kentucky who can file Chapter 7 should, and not everyone qualifies. If bankruptcy is not the path, a Kentucky debt settlement program may reduce what you owe without a court filing; compare the cost, credit impact, and timeline first. You can check available debt relief options at no cost and with no obligation.
Frequently Asked Questions
What is the income limit for Chapter 7 in Kentucky?
It is the Kentucky median family income for your household size. Effective July 15, 2026, it is $61,652 for 1 person, $73,892 for 2, $85,212 for 3, and $109,443 for 4, adding $11,100 per additional person. At or below that Kentucky figure, you generally pass Part 1.
What if my income is above the Kentucky median?
Being above the Kentucky median does not automatically disqualify you. Part 2 of the means test subtracts allowed living expenses, and many above-median Kentucky filers still qualify for Chapter 7 after those deductions.
Does this calculator run the full Kentucky 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 Kentucky 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.
Official Source
Related Resources
- National Chapter 7 means test calculator
- Bankruptcy exemptions calculator
- Debt settlement vs. bankruptcy
- All debt and tax calculators
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