Chapter 13 Repayment Plan Estimator
ANA›Life Services Authority›National Calculator Authority›Chapter 13 Repayment Plan Estimator
.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }
Chapter 13 Repayment Plan Estimator
Estimate your monthly Chapter 13 bankruptcy plan payment based on your disposable income, secured debts, priority debts, and plan duration. This tool provides an educational estimate only — consult a bankruptcy attorney for legal advice.
Gross Monthly Income ($)
Allowable Monthly Expenses ($) IRS-allowed living expenses plus actual secured debt payments.
Total Secured Debt ($) Mortgages, car loans, and other debts secured by collateral.
Total Priority Unsecured Debt ($) Back taxes, domestic support obligations, and other priority claims that must be paid in full.
Total General Unsecured Debt ($) Credit cards, medical bills, personal loans, etc.
Non-Exempt Asset Value ($) Value of assets not protected by bankruptcy exemptions. Unsecured creditors must receive at least this amount (best-interest-of-creditors test).
Plan Duration (months)
36 months (below-median income) 60 months (at or above median income)
Trustee Fee Rate (%) Chapter 13 trustees typically charge 5–10% of plan payments. Default is 10%.
Calculate
function chaCalc() { var resultDiv = document.getElementById('cha-result'); resultDiv.style.display = 'block'; resultDiv.className = 'calc-result';
// --- Parse inputs --- var grossIncome = parseFloat(document.getElementById('cha-monthly-income').value); var expenses = parseFloat(document.getElementById('cha-monthly-expenses').value); var securedDebt = parseFloat(document.getElementById('cha-secured-debt').value); var priorityDebt = parseFloat(document.getElementById('cha-priority-debt').value); var generalUnsecured = parseFloat(document.getElementById('cha-general-unsecured').value); var nonExemptAssets = parseFloat(document.getElementById('cha-nonexempt-assets').value); var planMonths = parseInt(document.getElementById('cha-plan-duration').value); var trusteeFeeRate = parseFloat(document.getElementById('cha-trustee-fee').value);
// --- Validation --- var errors = []; if (isNaN(grossIncome) || grossIncome 15) errors.push("Trustee fee rate must be between 0% and 15%."); if (!grossIncome && !securedDebt && !priorityDebt && !generalUnsecured) { errors.push("Please enter at least income and debt information."); } if (expenses >= grossIncome && grossIncome > 0) { errors.push("Allowable expenses equal or exceed gross income, leaving no disposable income. Review your figures."); }
if (errors.length > 0) { resultDiv.className = 'calc-result calc-error'; resultDiv.innerHTML = 'Please correct the following:' + errors.map(function(e){ return ''; }).join('') + ''; return; }
// --- Core Calculations ---
// 1. Monthly Disposable Income (MDI) var mdi = grossIncome - expenses; if (mdi 0) ? (toUnsecured / generalUnsecured) * 100 : 0;
// 13. Discharged debt (general unsecured not paid) var dischargedDebt = generalUnsecured - toUnsecured;
// 14. Determine which test is controlling var controllingTest = ""; if (minPlanPool === mdiPoolGross && mdiPoolGross >= bestInterestPoolGross && mdiPoolGross >= mandatoryPoolGross) { controllingTest = "Disposable Income Test"; } else if (minPlanPool === bestInterestPoolGross && bestInterestPoolGross >= mandatoryPoolGross) { controllingTest = "Best-Interest-of-Creditors Test"; } else { controllingTest = "Mandatory Debt Repayment (Secured + Priority)"; }
// --- Format helpers --- function fmt(n) { return '$' + n.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g, ','); } function fmtPct(n) { return n.toFixed(1) + '%'; }
// --- Output --- var html = '### Chapter 13 Plan Estimate ';
html += ''; html += 'ItemAmount'; html += 'Monthly Disposable Income (MDI)' + fmt(mdi) + ''; html += 'Plan Duration' + planMonths + ' months'; html += 'Estimated Monthly Plan Payment' + fmt(monthlyPayment) + ''; html += 'Total Plan Payments' + fmt(totalPlanPayment) + ''; html += 'Total Trustee Fees (' + fmtPct(trusteeFeeRate) + ')' + fmt(totalTrusteeFees) + ''; html += 'Net Distributed to Creditors' + fmt(netToCreditors) + ''; html += '';
html += '#### Creditor Distribution '; html += ''; html += 'Creditor ClassOwedPaidRecovery'; html += 'Priority Unsecured' + fmt(priorityDebt) + '' + fmt(toPriority) + '' + (priorityDebt > 0 ? fmtPct((toPriority/priorityDebt)100) : 'N/A') + ''; html += 'Secured' + fmt(securedDebt) + '' + fmt(toSecured) + '' + (securedDebt > 0 ? fmtPct((toSecured/securedDebt)100) : 'N/A') + ''; html += 'General Unsecured' + fmt(generalUnsecured) + '' + fmt(toUnsecured) + '' + (generalUnsecured > 0 ? fmtPct(unsecuredRecoveryRate) : 'N/A') + ''; html += '';
html += '#### Key Findings '; html += ''; html += '- Controlling Test: ' + controllingTest + ''; html += '- Estimated Discharged Debt: ' + fmt(dischargedDebt) + ' (general unsecured not repaid)'; html += '- General Unsecured Recovery Rate: ' + fmtPct(unsecuredRecoveryRate) + ''; html += '';
if (monthlyPayment > mdi && mdi > 0) { html += '⚠ Warning: The required monthly plan payment (' + fmt(monthlyPayment) + ') exceeds your monthly disposable income (' + fmt(mdi) + '). Your plan may not be confirmable without reducing debts or expenses. Consult a bankruptcy attorney.
'; }
resultDiv.innerHTML = html; }
#### Formulas Used
Monthly Disposable Income (MDI): MDI = Gross Monthly Income − Allowable Monthly Expenses
Three Minimum Plan Pool Tests (gross, before trustee fee):
- Disposable Income Test: Pool₁ = MDI × Plan Months
- Best-Interest-of-Creditors Test: Pool₂ = Non-Exempt Asset Value ÷ (1 − Trustee Fee Rate)
- Mandatory Debt Test: Pool₃ = (Secured Debt + Priority Debt) ÷ (1 − Trustee Fee Rate)
Minimum Plan Pool = max(Pool₁, Pool₂, Pool₃)
Monthly Plan Payment: Monthly Payment = Minimum Plan Pool ÷ Plan Months
Trustee Fees: Total Trustee Fees = Total Plan Payments × Trustee Fee Rate
Net to Creditors: Net = Total Plan Payments − Total Trustee Fees
Creditor Distribution Priority: 1. Priority unsecured (paid in full first) → 2. Secured (paid in full) → 3. General unsecured (remainder)
#### Assumptions & References
- Based on 11 U.S.C. § 1325 (confirmation requirements for Chapter 13 plans).
- The disposable income test (§ 1325(b)) requires above-median debtors to commit all projected disposable income for 60 months; below-median debtors may use 36 months.
- The best-interest-of-creditors test (§ 1325(a)(4)) requires unsecured creditors to receive at least what they would in a Chapter 7 liquidation (i.e., the value of non-exempt assets).
- Priority debts under 11 U.S.C. § 507 (taxes, domestic support obligations, etc.) must be paid in full under § 1322(a)(2).
- This tool is for educational purposes only and does not constitute legal advice.
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