Chapter 13 Payment Estimator
Chapter 13 generally consolidates debts into one court-approved monthly payment over 3 to 5 years. Enter your numbers and this tool reports an illustrative calculation for attorney review — not a determination of any plan.
How a Chapter 13 plan works
- One monthly payment to a trustee covers your plan — 3 years if your income is below your state's median, 5 years if above.
- Mortgage arrears may be addressed through the plan; whether that is available in a given case is an attorney question.
- Vehicles financed more than 910 days before filing may be treated differently under the Code.
- Unsecured debts such as credit cards and medical bills generally receive a portion through a plan, with the balance addressed at the end of a completed plan.
This tool reports general information only. It is not legal advice, it does not determine eligibility, and it guarantees no outcome. bankruptcy.ai is not a law firm, is not your lawyer, and using it creates no attorney-client relationship. Every result is reviewed by a licensed attorney, who makes all determinations. Speak with a licensed bankruptcy attorney in your state before making any decision.