Bankruptcy · Free Tool
Florida Means Test Calculator
Do you qualify for Chapter 7 bankruptcy? Answer a few simple questions and get an instant estimate — free, anonymous, and based on the current official Florida income limits.
Step 1 of 3
How many people are in your household?
Count yourself, your spouse (if they live with you), and anyone who depends on you financially, such as your children.
Your average monthly income
Enter the monthly average over the last 6 months, before taxes. If something doesn’t apply, leave it blank. A close estimate is fine.
Do not include Social Security benefits — the law excludes them from this test.
Include tips, bonuses, overtime, and commissions.
If you're married and live together, count their income — even if only you are filing.
What you earn after ordinary business expenses.
After the property’s operating expenses.
Do NOT include Social Security benefits.
Regular help from family, dividends, royalties, etc.
Your result
Good news! It looks like you pass the means test.
Your income is above the median — but you may still qualify.
Your estimated annual income
$0
Florida median for your household (1)
$0
This calculator provides an estimate for informational purposes only and is not legal advice or a guarantee of any outcome. Official figures from the U.S. Trustee Program for cases filed on or after July 15, 2026. Only an attorney can confirm whether you qualify.
How the Calculator Works
01
Tell us about your household
Count yourself, your spouse, and everyone who depends on you. Household size sets the Florida income limit that applies to you.
02
Enter your monthly income
Use average amounts from the last six months, before taxes. Estimates are fine — leave blank anything that doesn’t apply.
03
See your result instantly
We compare your income to the official Florida median for your household size and tell you what it means in plain language.
Want to understand the test itself — what counts as income, the expense deductions, and the exceptions? Read our plain-language guide: The Chapter 7 Means Test explained.
Your Result Is a Starting Point — Not the Final Word
The full means test allows deductions this quick estimate can’t capture, and special exceptions apply to business debts, disabled veterans, and reservists. For over 35 years we have helped Miami families get a fresh start. Let us run your complete means test — free. Flexible payment plans available. We also assist Spanish-speaking clients.