Means Test Data
Minnesota Bankruptcy
Means Test Figures
Current median income thresholds for Chapter 7 and Chapter 13 eligibility in Minnesota. Updated with each official adjustment.
What is the Means Test?
The Means Test (11 U.S.C. § 707(b)) determines whether an individual qualifies to file Chapter 7 bankruptcy. It compares the debtor’s average monthly income for the prior six months to the state median income for their household size. Debtors below the median qualify automatically. Debtors above the median must complete a second calculation using IRS-approved expense standards.
The Means Test (11 U.S.C. § 707(b)) determines whether an individual qualifies to file Chapter 7 bankruptcy. It compares the debtor’s average monthly income for the prior six months to the state median income for their household size. Debtors below the median qualify automatically. Debtors above the median must complete a second calculation using IRS-approved expense standards.
How to use these figures
1
Calculate the debtor’s Current Monthly Income (CMI)
Add up all income received in the six full calendar months before the filing date (excluding Social Security). Divide by 6 to get the monthly average. This is entered on Form 122A-1, Line 11.
2
Compare to the Minnesota median
Find the row matching the debtor’s household size in the table above. If the debtor’s CMI (monthly) is at or below the monthly median, the presumption of abuse does not arise. File Chapter 7.
3
If above median — complete Form 122A-2
Above-median debtors must complete the full means test calculation (Form 122A-2), applying IRS expense standards and allowed deductions. If disposable income is below the threshold, Chapter 7 is still available.
How often do these figures change?
Means test figures are published by the U.S. Trustee Program and updated quarterly — typically in February, May, August, and November. Dollar amount thresholds in the Bankruptcy Code are adjusted every three years (most recently April 1, 2025). Always verify current figures at justice.gov/ust/means-testing.
Means test figures are published by the U.S. Trustee Program and updated quarterly — typically in February, May, August, and November. Dollar amount thresholds in the Bankruptcy Code are adjusted every three years (most recently April 1, 2025). Always verify current figures at justice.gov/ust/means-testing.