Arizona Chapter 7 Means Test Calculator (2026)
The Arizona Chapter 7 Means Test (Part 1)
Compare your household income to the Arizona median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
Arizona 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 | $73,935 | $6,161 | $36,968 |
| 2 | $89,027 | $7,419 | $44,514 |
| 3 | $104,965 | $8,747 | $52,483 |
| 4 | $121,174 | $10,098 | $60,587 |
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 Arizona Six-Month Example
Assume a two-person Arizona household received $6,677 in each of the six complete calendar months before filing. The six-month total would be $40,062, the current monthly average would be $6,677, and the annualized income would be $80,124. That is $8,903 below the two-person Arizona 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 Arizona Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Arizona median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $73,935 for one person to $121,174 for four people, a difference of $47,239. A five-person Arizona household would use $132,274 before moving to the expense portion of the test.
An Arizona Close-To-The-Line Example
If a two-person household averaged $7,271 monthly during the six-month lookback period, its annualized income would be $87,252. That is only $1,775 below the current two-person Arizona 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 Arizona Can Matter
Arizona is served by the District of Arizona. 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 Arizona, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Arizona |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Arizona 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 Arizona 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 Arizona Median Is Not A Dead End
A Arizona income above the median just means Part 2 decides it. After the allowed Arizona 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 Arizona Means Test Works
The Arizona means test runs in two parts. Part 1 compares your annualized income to the Arizona median for your household size, shown above; at or below it, you generally qualify for Chapter 7 in Arizona. Above it, Part 2 (Form 122A-2) subtracts allowed living expenses, and many above-median Arizona 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 Arizona
Not everyone in Arizona who can file Chapter 7 should, and not everyone qualifies. If bankruptcy is not the path, an Arizona debt settlement program may reduce what you owe without a court filing; compare the cost, credit impact, and timeline first. CuraDebt is a free service that reviews the information you submit and, where appropriate and permitted by law, matches you with independent, licensed providers for debt relief or tax resolution. 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 Arizona?
It is the Arizona median family income for your household size. Effective July 15, 2026, it is $73,935 for 1 person, $89,027 for 2, $104,965 for 3, and $121,174 for 4, adding $11,100 per additional person. At or below that Arizona figure, you generally pass Part 1.
What if my income is above the Arizona median?
Being above the Arizona median does not automatically disqualify you. Part 2 of the means test subtracts allowed living expenses, and many above-median Arizona filers still qualify for Chapter 7 after those deductions.
Does this calculator run the full Arizona means test?
It covers Part 1 only, the income comparison against the Arizona median. Part 2 deductions on Form 122A-2 are not calculated here, so use this as a first read and confirm with an Arizona bankruptcy attorney.
Is Social Security counted in the Arizona 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 Arizona, and is it a law firm?
CuraDebt is a free service that reviews the information you submit and, where appropriate and permitted by law, matches you with independent, licensed providers for debt relief or tax resolution. 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
