Eric PemperFounder, CuraDebt · Est. 2001
New Hampshire Chapter 7 Means Test Calculator (2026)
The New Hampshire Chapter 7 Means Test (Part 1)
Compare your household income to the New Hampshire median for your household size, using U.S. Trustee figures effective July 15, 2026. Nothing you enter is stored.
New Hampshire 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 | $87,287 | $7,274 | $43,644 |
| 2 | $109,324 | $9,110 | $54,662 |
| 3 | $141,531 | $11,794 | $70,766 |
| 4 | $155,203 | $12,934 | $77,602 |
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 New Hampshire Six-Month Example
Assume a two-person New Hampshire household received $8,199 in each of the six complete calendar months before filing. The six-month total would be $49,194, the current monthly average would be $8,199, and the annualized income would be $98,388. That is $10,936 below the two-person New Hampshire 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 New Hampshire Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the New Hampshire median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $87,287 for one person to $155,203 for four people, a difference of $67,916. A five-person New Hampshire household would use $166,303 before moving to the expense portion of the test.
A New Hampshire Close-To-The-Line Example
If a two-person household averaged $8,928 monthly during the six-month lookback period, its annualized income would be $107,136. That is only $2,188 below the current two-person New Hampshire 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 New Hampshire Can Matter
New Hampshire is served by the District of New Hampshire. 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 New Hampshire, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In New Hampshire |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the New Hampshire 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 New Hampshire 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
The Two Parts Of The New Hampshire Means Test
Part 1 in New Hampshire is the income screen above: your annualized income against the New Hampshire median for your household size. Clear it and you generally qualify. If your New Hampshire income is higher, Part 2 deducts housing, transportation, taxes, and support on Form 122A-2, and a large share of New Hampshire filers pass there. Social Security generally does not count. Our national means test guide covers Part 2 in detail.
What Happens Over The New Hampshire Median
Landing over the New Hampshire median moves you to Part 2, where Form 122A-2 deducts housing, transportation, taxes, healthcare, and support. Many New Hampshire 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 New Hampshire
Not everyone in New Hampshire who can file Chapter 7 should, and not everyone qualifies. If bankruptcy is not the path, a New Hampshire 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 New Hampshire?
It is the New Hampshire median family income for your household size. Effective July 15, 2026, it is $87,287 for 1 person, $109,324 for 2, $141,531 for 3, and $155,203 for 4, adding $11,100 per additional person. At or below that New Hampshire figure, you generally pass Part 1.
What if my income is above the New Hampshire median?
Being above the New Hampshire median does not automatically disqualify you. Part 2 of the means test subtracts allowed living expenses, and many above-median New Hampshire filers still qualify for Chapter 7 after those deductions.
Does this calculator run the full New Hampshire means test?
It covers Part 1 only, the income comparison against the New Hampshire median. Part 2 deductions on Form 122A-2 are not calculated here, so use this as a first read and confirm with a New Hampshire bankruptcy attorney.
Is Social Security counted in the New Hampshire 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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