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The Means Test determines if your income is low enough for you to file for Chapter 7 bankruptcy.

Calculate your average monthly income over the past six months before filing.

Compare your CMI to the median income for a household of your size in your state.

Deduct allowable expenses from your CMI to determine your disposable income.

Use the IRS National Standards for necessary expenses such as food, clothing, and health care.

Deduct your average monthly payments for secured debts when calculating disposable income.

Include payments for priority debts like child support and taxes in your deductions.

Deduct your actual housing and utility expenses, subject to local standards.

Deduct vehicle ownership costs, even if your vehicle is paid off, up to the local standard amount.

Deduct monthly out-of-pocket health care costs not covered by insurance, using the National Standards.

Deduct your actual transportation costs—public or personal vehicle—up to the IRS standards.

Deduct your average monthly tax obligations, including federal, state, and local taxes.

Deduct mandatory payroll deductions such as retirement plan contributions and union dues.

If you fail the Means Test, determine the length of your Chapter 13 repayment plan (either 3 or 5 years).