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Means Test Expense Form 122A-2

By Cathy Moran

Get the form

Here’s the link to the official form used by over-median income debtors to calculate the expense portion of the means test.

Use this as a guide to the future expenses you expect to incur when assessing your eligibility for Chapter 7 bankruptcy. Know that the calculation is not as straightforward as this form makes it seem.

Here are the median income figures by state for cases filed after May 15, 2025. Check it out.

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Filed Under: Means test

About Cathy Moran

I'm a veteran bankruptcy lawyer and consumer advocate in California's Silicon Valley. I write, teach, and speak in the hopes of expanding understanding of how bankruptcy can make life better in a family's future.

Bankruptcy Basics

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You’ve arrived at the Bankruptcy Soapbox, a resource of bankruptcy information and consumer law.

Soapbox is a companion site to Bankruptcy in Brief, where I try to be largely explanatory and even handed (Note I said “try”).

Here, I allow myself to tell stories and express strong opinions. We dig deeper into how to consider bankruptcy and navigate a bankruptcy case.

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