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

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

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

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

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

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

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

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

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

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

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 your disposable income, after all deductions, can pay off some unsecured debt, you may not qualify for Chapter 7.

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