Chapter 13 Bankruptcy Plan Payment Calculator

This calculator will help you determine the minimum monthly payment you'd need to make as part of your Chapter 13 Bankruptcy Plan.

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In Chapter 13 bankruptcy, you propose a repayment plan to pay back some or all of your debts over a three to five-year period. This calculator estimates your minimum monthly Chapter 13 payment by calculating your secured and priority payments—amounts that all Chapter 13 filers must pay.

You might have to pay more, however, because a Chapter 13 plan payment depends on other factors, including:

  • where you live
  • your income and expenses
  • whether you own nonexempt property, and
  • the types of debts you have.

For instance, you'll have a higher payment if you have a lot of disposable income that could be used to pay other creditors, or if you can't protect all of your property with a bankruptcy exemption (nonexempt property).

Until you confirm your payment amount with a local bankruptcy lawyer, anticipate paying the greater of the calculator result, the value of your nonexempt assets (minus sales costs), or your disposable income. (Chapter 13 filings are complex. Filing without a bankruptcy lawyer isn't recommended.)

INSTRUCTIONS. Enter the secured loan balance or the collateral's FMV (fair market value) only if you plan to keep the property associated with the debt—not if you intend to surrender the home, car, or another type of collateral to the lender. Enter all priority debts.

For questions, see How the Chapter 13 Bankruptcy Plan Payment is Calculated or read one of the specific resources linked below.

Minimum Chapter 13 Plan Payment Calculator
Debts That Must be Repaid
1. Mortgage arrears
2. Arrears on other home loans or lines of credit
(unless you plan to strip them off—see the link above)
3. Balance on car loan (or FMV for a cramdown)
(enter the balance only if your jurisdiction requires you to pay off your car loan through your plan, not if you can pay it outside of the plan; if you plan to cram down a car loan that's at least 910-days old, enter the FMV instead of the loan balance)
4. Balance on a loan secured by personal property or the balance of a rental real estate loan you plan to cram down (use FMV for a cramdown—see link above)
(for tools, furniture, equipment, household goods, other personal property; use if you plan to or if your jurisdiction requires you to pay off your entire loan through your plan; if you plan to cram down the loan on personal property or rental real estate, enter the FMV instead of the loan balance)
5. Car loan arrears
(use if your jurisdiction doesn't require you to pay off the entire balance of the loan to catch up; otherwise, insert the entire balance owed on Line 3)
6. Arrears on other secured loans
(for tools, furniture, equipment, household goods, other personal property; use if your jurisdiction doesn't require you to pay off the entire balance of the loan to catch up; otherwise, insert the entire balance owed on Line 4)
7. Alimony and child support arrears
8. Tax debts
(only those that qualify as priority tax debts)
9. Total amount of claim for death or personal injury arising out of your driving under the influence or fraud judgment
10. Total amount of other priority debts
11. Other
Plan Length and Calculations
Length of plan in months
(must be 36 or 60 months unless you're paying creditors 100% of what you owe)
Administrative fees*
(will vary; 10% used here)
*You will also have to pay interest on secured claims paid through the plan. That amount isn't included in this calculation.
Total amount paid through plan
Minimum Chapter 13 plan payment
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There was a problem with the submission. Please refresh the page and try again
Full Name is required
Email is required
Please add a valid Email
Phone Number is required
Please enter a valid Phone Number
Zip Code is required
Please add a valid Zip Code
Description is required
By clicking "Find a Lawyer", you agree to the Martindale-Nolo Texting Terms. Martindale-Nolo and up to 5 participating attorneys may contact you on the number you provided for marketing purposes, discuss available services, etc. Messages may be sent using pre-recorded messages, auto-dialer or other automated technology. You are not required to provide consent as a condition of service. Attorneys have the option, but are not required, to send text messages to you. You will receive up to 2 messages per week from Martindale-Nolo. Frequency from attorney may vary. Message and data rates may apply. Your number will be held in accordance with our Privacy Policy.

You should not send any sensitive or confidential information through this site. Any information sent through this site does not create an attorney-client relationship and may not be treated as privileged or confidential. The lawyer or law firm you are contacting is not required to, and may choose not to, accept you as a client. The Internet is not necessarily secure and emails sent through this site could be intercepted or read by third parties.

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