Eric PemperFounder, CuraDebt · Est. 2001
Minnesota Chapter 7 Means Test Calculator (2026)
The Minnesota Chapter 7 Means Test (Part 1)
Compare your household income to the Minnesota median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
Minnesota 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 | $77,696 | $6,475 | $38,848 |
| 2 | $98,328 | $8,194 | $49,164 |
| 3 | $126,487 | $10,541 | $63,244 |
| 4 | $149,882 | $12,490 | $74,941 |
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 Minnesota Six-Month Example
Assume a two-person Minnesota household received $7,375 in each of the six complete calendar months before filing. The six-month total would be $44,250, the current monthly average would be $7,375, and the annualized income would be $88,500. That is $9,828 below the two-person Minnesota 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 Minnesota Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Minnesota median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $77,696 for one person to $149,882 for four people, a difference of $72,186. A five-person Minnesota household would use $160,982 before moving to the expense portion of the test.
A Minnesota Close-To-The-Line Example
If a two-person household averaged $8,030 monthly during the six-month lookback period, its annualized income would be $96,360. That is only $1,968 below the current two-person Minnesota 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 Minnesota Can Matter
Minnesota is served by the District of Minnesota. 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 Minnesota, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Minnesota |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Minnesota 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 Minnesota 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
How The Minnesota Means Test Works
The Minnesota means test runs in two parts. Part 1 compares your annualized income to the Minnesota median for your household size, shown above; at or below it, you generally qualify for Chapter 7 in Minnesota. Above it, Part 2 (Form 122A-2) subtracts allowed living expenses, and many above-median Minnesota filers still pass. Social Security is generally excluded from the income figure. For the full national walkthrough, see our Chapter 7 means test guide.
What Happens Over The Minnesota Median
Landing over the Minnesota median moves you to Part 2, where Form 122A-2 deducts housing, transportation, taxes, healthcare, and support. Many Minnesota households pass once those come out. If Chapter 7 still does not fit, Chapter 13 or a settlement program is worth weighing.
If Chapter 7 Is Not The Right Fit In Minnesota
Not everyone in Minnesota who can file Chapter 7 should, and not everyone qualifies. If bankruptcy is not the path, a Minnesota 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 Minnesota?
It is the Minnesota median family income for your household size. Effective July 15, 2026, it is $77,696 for 1 person, $98,328 for 2, $126,487 for 3, and $149,882 for 4, adding $11,100 per additional person. At or below that Minnesota figure, you generally pass Part 1.
What if my income is above the Minnesota median?
Not a problem on its own. An income over the Minnesota median simply moves you to Part 2, which deducts housing, transportation, taxes, and support, and plenty of Minnesota filers pass there.
Does this calculator run the full Minnesota means test?
It covers Part 1 only, the income comparison against the Minnesota median. Part 2 deductions on Form 122A-2 are not calculated here, so use this as a first read and confirm with a Minnesota bankruptcy attorney.
Is Social Security counted in the Minnesota 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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