Eric PemperFounder, CuraDebt · Est. 2001
Nebraska Chapter 7 Means Test Calculator (2026)
The Nebraska Chapter 7 Means Test (Part 1)
Compare your household income to the Nebraska median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
Nebraska 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 | $66,922 | $5,577 | $33,461 |
| 2 | $90,728 | $7,561 | $45,364 |
| 3 | $103,405 | $8,617 | $51,703 |
| 4 | $125,074 | $10,423 | $62,537 |
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 Nebraska Six-Month Example
Assume a two-person Nebraska household received $6,805 in each of the six complete calendar months before filing. The six-month total would be $40,830, the current monthly average would be $6,805, and the annualized income would be $81,660. That is $9,068 below the two-person Nebraska 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 Nebraska Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Nebraska median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $66,922 for one person to $125,074 for four people, a difference of $58,152. A five-person Nebraska household would use $136,174 before moving to the expense portion of the test.
A Nebraska Close-To-The-Line Example
If a two-person household averaged $7,409 monthly during the six-month lookback period, its annualized income would be $88,908. That is only $1,820 below the current two-person Nebraska 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 Nebraska Can Matter
Nebraska is served by the District of Nebraska. 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 Nebraska, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Nebraska |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Nebraska 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 Nebraska 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
What Happens Over The Nebraska Median
Landing over the Nebraska median moves you to Part 2, where Form 122A-2 deducts housing, transportation, taxes, healthcare, and support. Many Nebraska households pass once those come out. If Chapter 7 still does not fit, Chapter 13 or a settlement program is worth weighing.
How The Nebraska Means Test Works
The Nebraska means test runs in two parts. Part 1 compares your annualized income to the Nebraska median for your household size, shown above; at or below it, you generally qualify for Chapter 7 in Nebraska. Above it, Part 2 (Form 122A-2) subtracts allowed living expenses, and many above-median Nebraska 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 Nebraska
Not everyone in Nebraska who can file Chapter 7 should, and not everyone qualifies. If bankruptcy is not the path, a Nebraska 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 Nebraska?
It is the Nebraska median family income for your household size. Effective July 15, 2026, it is $66,922 for 1 person, $90,728 for 2, $103,405 for 3, and $125,074 for 4, adding $11,100 per additional person. At or below that Nebraska figure, you generally pass Part 1.
What if my income is above the Nebraska median?
Being above the Nebraska median does not automatically disqualify you. Part 2 of the means test subtracts allowed living expenses, and many above-median Nebraska filers still qualify for Chapter 7 after those deductions.
Does this calculator run the full Nebraska means test?
It covers Part 1 only, the income comparison against the Nebraska median. Part 2 deductions on Form 122A-2 are not calculated here, so use this as a first read and confirm with a Nebraska bankruptcy attorney.
Is Social Security counted in the Nebraska 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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