Eric PemperFounder, CuraDebt · Est. 2001
Nevada Chapter 7 Means Test Calculator (2026)
The Nevada Chapter 7 Means Test (Part 1)
Compare your household income to the Nevada median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
Nevada 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 | $72,222 | $6,019 | $36,111 |
| 2 | $87,914 | $7,326 | $43,957 |
| 3 | $101,638 | $8,470 | $50,819 |
| 4 | $114,110 | $9,509 | $57,055 |
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 Nevada Six-Month Example
Assume a two-person Nevada household received $6,594 in each of the six complete calendar months before filing. The six-month total would be $39,564, the current monthly average would be $6,594, and the annualized income would be $79,128. That is $8,786 below the two-person Nevada 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 Nevada Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Nevada median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $72,222 for one person to $114,110 for four people, a difference of $41,888. A five-person Nevada household would use $125,210 before moving to the expense portion of the test.
A Nevada Close-To-The-Line Example
If a two-person household averaged $7,180 monthly during the six-month lookback period, its annualized income would be $86,160. That is only $1,754 below the current two-person Nevada 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 Nevada Can Matter
Nevada is served by the District of Nevada. 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 Nevada, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Nevada |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Nevada 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 Nevada 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
Reading Your Nevada Means Test Result
The Nevada test is not a single number. Part 1 checks your income against the Nevada median for your size; Part 2 (Form 122A-2) then subtracts allowed expenses if you are over. Plenty of Nevada households that look over the Nevada median still qualify once those costs come out, and Social Security is generally left out of the income figure. The full means test guide walks through the deductions.
What Happens Over The Nevada Median
Landing over the Nevada median moves you to Part 2, where Form 122A-2 deducts housing, transportation, taxes, healthcare, and support. Many Nevada 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 Nevada
Chapter 7 is one tool, not the only one. Many Nevada 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. 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 Nevada?
It is the Nevada median family income for your household size. Effective July 15, 2026, it is $72,222 for 1 person, $87,914 for 2, $101,638 for 3, and $114,110 for 4, adding $11,100 per additional person. At or below that Nevada figure, you generally pass Part 1.
What if my income is above the Nevada median?
Not a problem on its own. An income over the Nevada median simply moves you to Part 2, which deducts housing, transportation, taxes, and support, and plenty of Nevada filers pass there.
Does this calculator run the full Nevada means test?
It covers Part 1 only, the income comparison against the Nevada median. Part 2 deductions on Form 122A-2 are not calculated here, so use this as a first read and confirm with a Nevada bankruptcy attorney.
Is Social Security counted in the Nevada 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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