Eric Pemper Founder, CuraDebt · Est. 2001
Rhode Island Chapter 7 Means Test Calculator
Check The Rhode Island Median Income Screen
Enter average gross monthly household income. Nothing entered here is stored.
Rhode Island 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 | $77,653 | $6,471 | $38,827 |
| 2 | $98,736 | $8,228 | $49,368 |
| 3 | $119,419 | $9,952 | $59,710 |
| 4 | $137,479 | $11,457 | $68,740 |
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 Rhode Island Six-Month Example
Assume a two-person Rhode Island household received $7,405 in each of the six complete calendar months before filing. The six-month total would be $44,430, the current monthly average would be $7,405, and the annualized income would be $88,860. That is $9,876 below the two-person Rhode Island 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 Rhode Island Changes The Means-Test Estimate
The first comparison is not a national income limit. It uses the Rhode Island median for the household size and the government table in effect on the filing date. On this page, the annual figures run from $77,653 for one person to $137,479 for four people, a difference of $59,826. A five-person Rhode Island household would use $148,579 before moving to the expense portion of the test.
A Rhode Island Close-To-The-Line Example
If a two-person household averaged $8,063 monthly during the six-month lookback period, its annualized income would be $96,756. That is only $1,980 below the current two-person Rhode Island 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 Rhode Island Can Matter
Rhode Island is served by the District of Rhode Island. 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 Rhode Island, so a statewide median-income result should not be treated as a complete eligibility decision.
| Item | Why It Matters In Rhode Island |
|---|---|
| Filing Date | Controls which U.S. Trustee median table applies. |
| Household Size | Changes the Rhode Island 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 Rhode Island 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
Rhode Island Median Income Limits For Chapter 7
| Household Size | Annual Median Income |
|---|---|
| 1 | $77,653 |
| 2 | $98,736 |
| 3 | $119,419 |
| 4 | $137,479 |
| Each Person Above 4 | Add $11,100 |
These figures come from the U.S. Trustee Program table for cases filed on or after July 15, 2026. A later filing date may use a newer table.
How The Rhode Island Chapter 7 Means Test Works
Part 1 annualizes the household income received during the six full calendar months before filing and compares it with the applicable Rhode Island median. The legal definition of household income is more detailed than a current paycheck, so the calculator is a useful first screen rather than a filing determination.
What Happens If Income Is Above The Rhode Island Median?
The next calculation uses allowed expenses and secured-debt obligations. Some above-median households still qualify. Compare Chapter 7 bankruptcy, Chapter 13 bankruptcy, and debt relief options before choosing a path.
Frequently Asked Questions
What Is The Chapter 7 Income Limit In Rhode Island?
For cases filed on or after July 15, 2026, the Rhode Island median income figures are $77,653, $98,736, $119,419, $137,479 for households of 1 through 4. Add $11,100 for each additional person.
What If My Income Is Above The Rhode Island Median?
Income above the median does not automatically disqualify you. The second part of the means test subtracts permitted expenses and may still show that Chapter 7 is available.
Does This Calculator Run The Full Rhode Island Means Test?
No. It checks the first income comparison. The full test can include six months of income, allowed expenses, special circumstances, and other details.
Is Social Security Included In The Chapter 7 Means Test?
Social Security benefits are generally excluded from current monthly income for the bankruptcy means test. Other income rules can vary, so confirm the figures used for a filing.
Which Date Controls The Rhode Island Median Income Figures?
The filing date controls which U.S. Trustee median income table applies. This calculator uses the table effective for cases filed on or after July 15, 2026.
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Prefer to talk now? Call 1-877-850-3328This calculator provides a first-step estimate and does not determine bankruptcy eligibility.
