The Means Test Calculator provided above uses median family income figures for each state (for filings prior to November 1, 2010 the median
family income figures are as of March 15, 2010; for filings on or after November 1, 2010,
median family income figures are as of November 1, 2010 ).
These figures are subject to change and the Calculator may not be up to date. If you are not sure what your family size is or how to calculate your
monthly household income, you should consult with an attorney when using this calculator. If your income is greater than the median income for your state of residence and family size, you still might meet the
means test after taking into consideration certain expenses as defined by the Bankruptcy Code and other deductions,
including regular charitable donations (up to 15% of your income), school expenses, payments on 401(k)/IRA loans, and
health Insurance. Whether you are a layperson or an attorney, please do not hesitate to call Attorney Justin Kelsey at 508.655.5980 to discuss the correct use of the calculator or to schedule a bankruptcy consultation.