Part 1: Adjusted income (lines 1 to 4)
Line 1 copies line 11 from Form 122A-1. Lines 2 and 3 subtract any part of a non-filing spouse's income not regularly used for household expenses, and line 4 is the adjusted current monthly income.
B 122A-2
Chapter 7 Means Test Calculation
- Agency
- U.S. Courts
- Revision
- 04/25
- Fillable fields
- 146
- Pages
- 9
- Official source
- U.S. Courts form page
- Checked
- October 20, 2026
Form B 122A-2: Chapter 7 Means Test Calculation
Form B 122A-2, Chapter 7 Means Test Calculation, is an Official Bankruptcy Form that the U.S. Courts list under Means Test Forms. It starts from the current monthly income reported on Form 122A-1, subtracts allowed living expenses and certain debt payments, and works out whether there is a presumption of abuse. The current version is dated 04/25. The U.S. Courts page lists it as updated on April 1, 2025, and effective on April 1, 2022, and says it is derived from Official Form 22A-2.
The separate instructions say this second form is filed when Form 122A-1 shows income above the median, and that the calculations, sometimes called the Means Test, result in an amount available to pay other debts. The committee note says the dollar amounts on lines 29 and 40 were adjusted effective April 1, 2025, as part of the tri-annual dollar adjustments required by 11 U.S.C. § 104.
This page explains the form in plain words and is not legal advice. You can fill it out free in your browser on this page and download the result without an account.
What's on Form B 122A-2
National Standards (lines 5 to 7)
Line 5 counts the people who could be claimed as exemptions on your federal income tax return plus any additional dependents you support. Lines 6 and 7 use the IRS National Standards for food, clothing and other items and for out-of-pocket health care.
Local Standards (lines 8 to 15)
Housing and utilities from the U.S. Trustee Program chart, net of mortgage or rent payments, then vehicle operation, ownership or lease costs for up to two vehicles, and public transportation, from the IRS Local Standards.
Other expenses (lines 16 to 32)
Taxes, required payroll deductions, term life insurance, court-ordered payments, education, childcare, extra health care and optional telephone services, then health insurance, family care, family violence protection, home energy, school costs, extra food and clothing and charitable gifts.
Debt payments (lines 33 to 38)
Average monthly payments on secured debts, cure amounts to keep needed property, past-due priority claims divided by 60, and, for filers eligible for Chapter 13, an average monthly administrative expense. Line 38 adds all deductions.
Parts 3 to 5: Result and signatures
Line 39 finds monthly disposable income and multiplies it by 60. Lines 40 to 42 compare the total with set dollar amounts and with 25% of nonpriority unsecured debt. Part 4 lists special circumstances, and Part 5 is signed under penalty of perjury.
How to fill out Form B 122A-2
- 1
Start from Form 122A-1
The form says a completed copy of Form 122A-1 is needed. Line 1 copies its line 11, total current monthly income.
- 2
Look up the standards
The form says to find the IRS National and Local Standards and the U.S. Trustee Program housing chart online using the link in the separate instructions, and that they may also be at the bankruptcy clerk's office.
- 3
Average secured payments over 60 months
For home, vehicle and other secured debts, the form says to add all amounts contractually due to each secured creditor in the 60 months after filing, then divide by 60. The home and vehicle totals repeat on line 33.
- 4
Enter averages and keep records
If expenses differ from month to month, the form asks for the average. For lines 28 and 29, it says documentation of actual expenses goes to the case trustee, and lines 28 to 30 ask to show the extra amount is reasonable and necessary.
- 5
Check a box on page 1
Line 40 points to box 1 when line 39d is less than $10,275 and to box 2 when it is more than $17,150. In between, lines 41 and 42 compare line 39d with 25% of total nonpriority unsecured debt.
- 6
Explain and sign
Part 4 asks for a detailed explanation and an average monthly amount for each special circumstance, with documentation for the case trustee. Each debtor signs Part 5 under penalty of perjury.
Why fill Form B 122A-2 on indox
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Filing, dollar amounts and where to find figures
Where it goes
The form is filed in the case at the United States Bankruptcy Court, with the district and the case number, if known, at the top. A box marks an amended filing, and extra pages carry the line number, your name and the case number.
Dollar amounts on the form
Line 29 caps school expenses at $214.58 per child, and line 40 uses $10,275 and $17,150. The form says these are subject to adjustment on 4/01/28, and every 3 years after that. The committee note says they were adjusted effective April 1, 2025.
Where the figures are
The instructions give https://www.justice.gov/ust/means-testing for lines 6 to 15, 30 and 36, and https://www.uscourts.gov/administrative-expense-multipliers for the line 36 multiplier in Alabama and North Carolina. They say a public computer may be available at the bankruptcy clerk's office or a public library.
Filing fee
The form and its U.S. Courts page do not print a fee amount for this statement.
Confidential expenses
Line 27 says that, by law, the court keeps the nature of expenses for protection against family violence confidential.
Related forms
B 122A-1
Chapter 7 Statement of Your Current Monthly Income
58 fields, 3 pages
B 122A-1Supp
Statement of Exemption from Presumption of Abuse Under §707(b)(2)
17 fields, 1 page
B 106 Summary
A Summary of Your Assets and Liabilities and Certain Statistical Information (individuals)
28 fields, 2 pages
B 122C-2
Chapter 13 Calculation of Your Disposable Income
150 fields, 8 pages
B 101
Voluntary Petition for Individuals Filing for Bankruptcy
159 fields, 9 pages
Who fills out Form B 122A-2?
The form is filled out and signed by the debtor in a Chapter 7 case, using a completed copy of Form 122A-1. It names these situations.
Official sources and the blank
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Questions about Form B 122A-2
When is Form B 122A-2 filled out?
The instructions say it is filed when Form 122A-1 shows income above the median for the state. When income is not above the median, they say there is no presumption of abuse and this second form is not filled out.
What is a presumption of abuse?
The instructions say it does not mean someone is actually trying to abuse the bankruptcy system. It means the person is presumed to have enough income that Chapter 7 relief should not be granted, and it may be overcome by showing special circumstances that reduce income or increase expenses.
Where are the IRS standards and the housing chart?
The form does not print them. It says to go online using the link in the separate instructions, and that they may also be at the bankruptcy clerk's office. The instructions give https://www.justice.gov/ust/means-testing.
What decides the result on line 40?
Line 39d, monthly disposable income times 60. Less than $10,275 points to box 1, no presumption of abuse. More than $17,150 points to box 2. In between, lines 41 and 42 compare it with 25% of total nonpriority unsecured debt.
Does line 5 match the number of people in my household?
Not always. Line 5 counts the people who could be claimed as exemptions on your federal income tax return plus any additional dependents you support, and the form says this number may be different from the number of people in your household.
How are secured debt payments averaged?
The form says to add all amounts contractually due to each secured creditor in the 60 months after filing, then divide by 60. The vehicle ownership expense is limited to two vehicles and is not claimed for a vehicle with no loan or lease payments.
Are family violence expenses kept private?
Line 27 says that, by law, the court keeps the nature of expenses for protection against family violence confidential.