National Standards (lines 5 to 7)
Lines 1 to 4 are not used. Line 5 counts the people who could be claimed as exemptions on your federal income tax return plus any additional dependents you support, and lines 6 and 7 use the IRS National Standards.
B 122C-2
Chapter 13 Calculation of Your Disposable Income
- Agency
- U.S. Courts
- Revision
- 04/25
- Fillable fields
- 150
- Pages
- 8
- Official source
- U.S. Courts form page
- Checked
- October 20, 2026
Form B 122C-2: Chapter 13 Calculation of Your Disposable Income
Form B 122C-2, Chapter 13 Calculation of Your Disposable Income, is an Official Bankruptcy Form that the U.S. Courts list under Means Test Forms. It subtracts allowed living expenses and certain debt payments from current monthly income to find monthly disposable income under 11 U.S.C. § 1325(b)(2), and records income or expenses expected to change. 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, 2019, and says it is derived from Official Form 22C-2.
The separate instructions say this second form is filed when Form 122C-1 shows income above the median, and that the calculations, sometimes called the Means Test, result in an amount available to pay unsecured debts. The committee note says the dollar amount on line 29 was 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 122C-2
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, past-due priority claims divided by 60, and the projected monthly Chapter 13 plan payment times the district multiplier. Line 38 adds all deductions.
Part 2: Disposable income (lines 39 to 45)
Current monthly income from line 14 of Form 122C-1, less support received for dependent children, qualified retirement deductions, the line 38 total and special circumstances, gives monthly disposable income under § 1325(b)(2).
Parts 3 and 4: Changes and signatures
Line 46 lists income or expenses that have changed or are virtually certain to change after filing while the case is open, with the form, line, reason, date and amount. Part 4 is signed under penalty of perjury.
How to fill out Form B 122C-2
- 1
Start from Form 122C-1
The form says a completed copy of Form 122C-1 is needed. Line 39 copies line 14 of that form, and the form says not to deduct again the operating expenses subtracted on lines 5 and 6 of it.
- 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
Apply the district multiplier
Line 36 multiplies the projected monthly plan payment by the current multiplier for your district, from the list issued by the Administrative Office of the United States Courts for Alabama and North Carolina, or by the Executive Office for United States Trustees for all other districts.
- 5
Record expected changes
The form's example for line 46: if wages increased after filing, check 122C-1, enter line 2, explain why the wages increased, and fill in when the increase occurred and its amount.
- 6
Sign it
Each debtor signs Part 4 under penalty of perjury. Extra pages carry the line number they apply to, your name and the case number.
Why fill Form B 122C-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. Form 122C-1 says to file it with that form after checking line 17b.
Dollar amount on the form
Line 29 caps school expenses at $214.58 per child, subject to adjustment on 4/01/28 and every 3 years after that. The committee note says the amount was 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.
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 122C-1
Chapter 13 Statement of Your Current Monthly Income and Calculation of Commitment Period
71 fields, 4 pages
B 122A-2
Chapter 7 Means Test Calculation
146 fields, 9 pages
B 122A-1
Chapter 7 Statement of Your Current Monthly Income
58 fields, 3 pages
B 101
Voluntary Petition for Individuals Filing for Bankruptcy
159 fields, 9 pages
Who fills out Form B 122C-2?
The form is filled out and signed by the debtor in a Chapter 13 case, using a completed copy of Form 122C-1. It names these situations.
Official sources and the blank
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Questions about Form B 122C-2
When is Form B 122C-2 filled out?
The instructions say it is filed when Form 122C-1 shows income above the median. Form 122C-1 says to fill it out after checking line 17b and not to fill it out or file it after checking line 17a.
Why does the form start at line 5?
The form says line numbers 1 to 4 are not used, because those numbers apply to information required by a similar form used in chapter 7 cases.
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.
Is there a limit on charitable contributions?
Line 31 says not to include any amount more than 15% of gross monthly income, and cites 11 U.S.C. § 548(d)(3) and (4).
How is monthly disposable income figured?
Line 44 adds support received for dependent children, qualified retirement deductions, the total deductions from line 38 and special circumstances. Line 45 subtracts that from current monthly income on line 39.
What goes on line 46?
Income on Form 122C-1 or expenses on this form that have changed or are virtually certain to change after the petition is filed and while the case is open, with the reason, date, direction and amount of each change.
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.