Chapter 13 Bankruptcy Repayment Calculator

A Chapter 13 plan payment is the sum of what the plan has to pay out, grossed up for the trustee's percentage and divided by the number of months. Enter the priority claims, the secured arrears being cured, the attorney fee balance and the percentage the plan pays on unsecured debt, and you get the monthly figure with every dollar of it accounted for. A second action runs the arithmetic backwards, turning a payment you can afford into the dividend unsecured creditors would receive. Whether you qualify and what the payment has to be are set by the means test, by disposable income against IRS local standards and by the best interests test, which are a bankruptcy attorney's determination and are not worked out here.

Calculator Type

Priority Claims Paid in Full ($)

Recent income taxes, domestic support arrears and anything else your attorney has listed as priority. These are paid in full through the plan.

Secured Arrears to Cure ($)

The mortgage or vehicle arrears the plan brings current over its life.

Other Secured Debt Through the Plan ($)

Vehicle or other collateral paid through the plan, including the interest your attorney has allowed for.

Attorney Fees Through the Plan ($)

The balance of the fee, after anything paid before filing.

General Unsecured Debt ($)

Credit cards, medical bills, personal loans and deficiency balances.

Percentage Paid to Unsecured (%)

The dividend the plan pays on general unsecured debt. Your attorney sets it, and it is often the figure the best interests test forces.

Trustee's Percentage (%)

Capped by statute at 10 percent and set by district. Your attorney or the trustee website will have the current figure.

Plan Length (months)

The applicable commitment period is normally 36 or 60 months and your attorney decides which applies.

Amount You Can Pay Monthly (optional, $)

Only for comparison against the figure below. It is not used in the calculation and no conclusion is drawn from it.

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Monthly Plan Payment ($) *

Plan Length (months)

The applicable commitment period is normally 36 or 60 months and your attorney decides which applies.

Priority Claims Paid in Full ($)

Recent income taxes, domestic support arrears and anything else your attorney has listed as priority. These are paid in full through the plan.

Secured Arrears to Cure ($)

The mortgage or vehicle arrears the plan brings current over its life.

Other Secured Debt Through the Plan ($)

Vehicle or other collateral paid through the plan, including the interest your attorney has allowed for.

Attorney Fees Through the Plan ($)

The balance of the fee, after anything paid before filing.

General Unsecured Debt ($)

Credit cards, medical bills, personal loans and deficiency balances.

Trustee's Percentage (%)

Capped by statute at 10 percent and set by district. Your attorney or the trustee website will have the current figure.

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