Chapter 13 Payment Calculator

A chapter 13 bankruptcy is also called a wage earner’s plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Chapter 13 bankruptcy typically involves a repayment plan spanning three to five years, which means you’ll be committed to making payments for an extended period of time.

One of our experienced counselors will walk you through the chapter 13 payment calculator. Call from 9-5 M-F EST 1-877-850-3328 to do on the phone or submit below and we will call you back.

Get Your Chapter 13 Payment Estimate
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The consultation will use a calculator that follows three primary confirmation requirements of the Chapter 13 plan: (1) plan feasibility; (2) best interest requirement; and (3) disposable income test

Feasibility: The Plan must pay at least enough to cover secured debt, trustee fees, filing fee, and attorney fees.

Best interest requirement: The unsecured creditors must be paid at least as much as they would receive if property was liquidated and distributed.

Disposable income test: the debtor must pay into the plan all income received above and beyond their basic necessary living expenses.

This plan calculator uses a number of variables so it can work depending on where you are, and your income and asset circumstances.

 Standards of living change depending on your location. The Chapter 13 plan calculator changes to use precise regional and local expense standards.

Legal laws change across state lines. Depending on where you live, the calculator takes into account differing state-based legal rules

Certain types of income may be taxable while others are not. Depending on your income profile, the calculator will automatically make adjustments.

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