Find out in 3 minutes if you qualify for Chapter 7 in Florida. Uses 2026 DOJ median income figures. Social Security benefits are excluded under 11 U.S.C. § 101(10A)(B). No account required, no credit check.
Quick answer: The Chapter 7 means test under 11 U.S.C. § 707(b)(2) compares your 6-month average gross income to the Florida state median for your household size. If you're at or below the median, you qualify for Chapter 7 without further means-test analysis. Above-median filers complete Form 122A-2 to calculate “projected disposable income” by subtracting IRS-standard expenses and actual secured/priority debt payments. Social Security benefits are excluded from the calculation under 11 U.S.C. § 101(10A)(B).
| Household Size | Monthly Median | Annual Median |
|---|---|---|
| 1 person | $4,901 | $58,812 |
| 2 people | $6,128 | $73,536 |
| 3 people | $6,773 | $81,276 |
| 4 people | $8,094 | $97,128 |
| 5 people | $8,919 | $107,028 |
| 6 people | $9,744 | $116,928 |
| +1 person (each addl.) | +$825 | +$9,900 |
Source: U.S. Trustee Program, “Census Bureau Median Family Income By Family Size” (2026 update). Florida figures apply uniformly across all three federal districts (M.D. Fla., N.D. Fla., S.D. Fla.). Compare your 6-month average gross income, annualized, to the figure for your household size.
3 minutes. No account, no credit check, no spam. Walks you through household size, income, and Social Security exclusion. Instant qualifying answer.
Open Calculator →Your CMI under 11 U.S.C. § 101(10A) is the average gross monthly income received during the 6 calendar months ending on the last day of the month immediately preceding the filing date. If you file in May, the look-back is November 1 – April 30. Total all income, divide by 6, multiply by 12 to annualize.
Include: wages, salary, self-employment net income, unemployment, rental income, pension, alimony received, regular child support, and most other recurring income.
EXCLUDE: Social Security retirement, SSDI, and SSI under 11 U.S.C. § 101(10A)(B). Also excluded: payments under the Victims of Trafficking and Violence Protection Act, certain war-crime victim payments, certain veteran-disability payments.
Florida federal courts predominantly follow the “heads-on-beds” approach: count everyone who lives in the household for whom you provide material financial support. Includes children of either spouse, dependent parents, domestic partners, and other live-in dependents. Larger household = higher median = easier to qualify.
If your annualized CMI is at or below the Florida median for your household size, the means test ends here. You qualify for Chapter 7 without further analysis. The presumption of abuse under 11 U.S.C. § 707(b)(2) does not apply.
Above-median filers complete the long-form means test (Form 122A-2). Subtract IRS-standard living expenses (national standards for food/clothing/personal care; local standards for housing/utilities/transportation) plus actual secured debt payments (mortgage, car loan), priority debts (recent taxes, support arrears), and a handful of other allowed deductions. The result is “projected disposable income” over 60 months.
If projected disposable income is below the threshold set by § 707(b)(2)(A)(i) — currently $9,075 over 60 months ($151.25/month) — the presumption of abuse does not arise and Chapter 7 is available. Above the threshold, the case is presumed abusive and most filers convert to Chapter 13.
The free calculator on iBankruptcy.net gives you an instant qualifying answer. For a more detailed analysis — including above-median Form 122A-2 calculation — schedule a 30-minute free consultation.