Florida Means Test Calculator 2026: Do You Qualify for Chapter 7?
Not sure how to read your result?
Attorney Juan Burgos reviews your numbers in a free 15-minute phone call — no commitment required.
Florida Means Test
Compare your income to the Florida Median (Effective Nov 1, 2025).
Your fresh start could be 90 days away.
Passing the Means Test means you meet the income threshold for Chapter 7 — the fastest form of federal debt relief. In as little as 90 to 120 days, most unsecured debts (credit cards, medical bills, personal loans) can be completely eliminated.
🚫 Automatic Stay
Creditor calls and lawsuits stop the day we file.
🏠 Keep Your Assets
Florida exemptions protect your home, car, and retirement.
⚡ 90–120 Days
No multi-year repayment plan. A real clean slate, fast.
Initial phone consultation is free and confidential. Attorney fees are discussed at your appointment.
Your income is above the Chapter 7 threshold — but you still have strong options.
Not qualifying for Chapter 7 automatically doesn't mean you're out of options. Two other federal chapters were designed for exactly this situation.
Chapter 13 — Reorganize & Protect
Consolidate debts into a manageable 3–5 year repayment plan under federal court protection. Keep your home, car, and assets while catching up — without individual creditor pressure.
Learn about Chapter 13 →Subchapter V — Keep Your Business Open
Own a small business with under $3.07M in debt? Subchapter V lets you restructure business debt and keep operating — faster and less costly than standard Chapter 11.
Learn about Subchapter V →Not sure which path fits your situation?
Attorney Burgos reviews your full picture — income, assets, and debt type — in a free phone consultation.
Initial consultation is free. Attorney fees are discussed at your appointment.
Free Case Evaluation: (407) 505-4190Am I Eligible for Chapter 7 Bankruptcy in Florida?
The first step in filing for bankruptcy in Florida is determining your eligibility through the "Means Test." This test compares your household's average gross income over the last six months (annualized) against the Median Income for a Florida household of your size.
Below Median Income
If your income is below the limit shown above, there is a "presumption of no abuse." You typically qualify for Chapter 7 bankruptcy automatically regarding income levels. Learn more about the Chapter 7 process.
Above Median Income
Being above the median does not automatically disqualify you. It simply means your attorney must perform the full Means Test calculation, deducting allowable expenses (mortgage, taxes, healthcare) to see if you have disposable income left over. If Chapter 7 isn't the right fit, Chapter 13 offers a structured repayment plan that protects your assets, and small business owners may want to explore Subchapter V.
Income Limits for Cases Filed On or After Nov 1, 2025
The Department of Justice updates these figures approximately every six months. The calculator above uses the Florida data effective for the period beginning November 1, 2025.
Note on Household Size: Your household includes you, your spouse (even if not filing), and dependents you financially support. Roommates are generally not included unless you pool finances.
Florida Chapter 7 Income Limits by Household Size
These are Florida's current median income thresholds for the Chapter 7 means test, for cases filed on or after July 15, 2026. If your household's gross income over the last 6 months, annualized, is at or below your household size's limit, you automatically pass the means test with no further calculation required.
| Household Size | Annual Income Limit |
|---|---|
| 1 person | $69,876 |
| 2 people | $86,523 |
| 3 people | $97,540 |
| 4 people | $114,761 |
| Each additional person | add $11,100 |
If your household income is above your size's limit, you're not automatically disqualified — a second calculation subtracts IRS-allowed living expenses from your income to determine actual eligibility. Use the calculator above to check both stages at once.
Source: U.S. Trustee Program median family income data, effective for cases filed on or after July 15, 2026 (justice.gov/ust/means-testing). Updated roughly every six months, typically around April/May and November 1. This information is for general educational purposes and does not constitute legal advice.
Free Consultation
Results may vary depending on your particular facts and legal circumstances.
Frequently Asked Questions About the Means Test
What is the Florida means test?
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It compares your household income to Florida's median for your family size; below median, you qualify for Chapter 7 directly.
What are the Chapter 7 income limits in Florida for 2026?
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They vary by household size and update periodically — this calculator uses the current published figures.
What if I'm over the limit?
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You may still qualify after allowed expenses — the second part of the means test. Talk to an attorney, free.
Is this calculator really free?
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Yes — no signup, no obligation, available in English, Spanish, and Portuguese.