The Chapter 7 means test starts with one question: is your household income below the Pennsylvania median for a family your size? This free calculator answers that first step in under a minute, using the current U.S. Trustee figures for Pennsylvania.
Uses the Pennsylvania median family income figures for bankruptcy cases filed on or after April 1, 2026.
This covers only the first step of the means test. It is an estimate, not legal advice, and it does not decide whether you qualify for bankruptcy.
Pennsylvania median income for the means test
These are the U.S. Trustee Program’s Pennsylvania median family income figures for bankruptcy cases filed on or after April 1, 2026:
| Household size | Annual median income |
|---|---|
| 1 person | $72,230 |
| 2 people | $87,534 |
| 3 people | $110,151 |
| 4 people | $135,862 |
| Each additional person | add $11,100 |
The figures are updated from time to time. The figures in effect on the day you file are the ones that count.
How the means test works
The means test decides whether you can file Chapter 7, which wipes out most unsecured debt, or whether you may need to use a Chapter 13 repayment plan instead.
Step 1: compare your income to the median. Add up your household’s gross income for the six full calendar months before you file, then double it to get a yearly figure. If that is at or below the Pennsylvania median for your household size, you pass the means test.
Step 2: if you are above the median. You can still qualify. The second part of the test subtracts allowed living expenses, secured debt payments and certain other costs from your income. If what is left is small enough, Chapter 7 may still be available. This part is detailed and is where an attorney helps most.
What counts as income
- Wages, salary, tips, bonuses and commissions, before taxes
- Net income from a business, profession or farm
- Rent and other real estate income, including oil and gas royalties
- Interest, dividends, pensions and retirement income
- Unemployment compensation
- Regular contributions from anyone toward household expenses
Social Security benefits are not counted. If you are married, your spouse’s income is usually included, even if only you are filing, with some exceptions.
Who does not need to take the means test
The means test does not apply if your debts are mainly business debts rather than consumer debts. Certain disabled veterans and some members of the National Guard and reserves are also exempt.
Common questions
What if my income just changed?
The test looks back six full months. A recent job loss or pay cut may not show up fully yet. The timing of your filing can make a real difference, so get advice before you file.
Can I keep my house and car in Chapter 7?
Often, yes. Exemptions protect a certain amount of equity, and you can usually keep a home or car if you stay current on the loan. It depends on how much equity you have.
What if I do not pass the means test?
Chapter 13 lets you keep your property and pay part of your debts through a three- to five-year plan. It can also stop a foreclosure.