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Chapter 13 Plan Payment Calculator

In Chapter 13 bankruptcy, you propose a repayment plan to pay back some or all of your debts over a three to five-year period. The amount of your plan payment depends on numerous factors including:

  • where you live
  • your income and expenses
  • whether you own nonexempt property, and
  • the types of debts you have.

As a result, no payment calculator can accurately predict each individual debtor’s exact monthly plan payment. The calculator contained in this article is designed only to estimate the minimum monthly payment you would likely have to make if you filed for Chapter 13 bankruptcy.

Debts That Must be Repaid
1. Mortgage arrears
2. Arrears on other home loans or lines of credit
(unless you plan to strip them off)
3. Balance on car loan (or FMV for cramdown)
(use if you plan to or if your jurisdiction requires you to pay off your entire loan through your plan; if you plan to cram down the loan, enter the fair market value instead of the loan balance)
4. Balance on loans secured by other personal property (or FMV for cramdowns)
(for tools, furniture, equipment, household goods, other personal property; use if you plan to or if your jurisdiction requires you to pay off your entire loan through your plan; if you plan to cram down the loan, enter the fair market value instead of the loan balance)
5. Residential Lease Arrears
(lease arrears are required to be paid prior to the expiration of their lease term and in some cases may be required to be paid within 75 days after filing)
6. Alimony and child support arrears
7. Tax debts
8. Total amount of claim for death or personal injury arising out of your driving under the influence
9. Other
Plan Length and Calculations
Length of plan in months
(Must be 36 to 60 months)
Chapter 13 Trustee Fees* (will vary; 6.1% used here)
*You will also have to pay interest on secured claims paid through the plan. That amount is not included in this calculation.
Total amount paid through plan
Minimum Chapter 13 plan payment
* The plan calculator does not include any legal fees that will be paid as part of the chapter 13 Plan.

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