Use our free Bankruptcy Means Test to chapter 7 vs 13. All calculations and processing are performed directly in your browser for maximum privacy and speed. No data is sent to any server, and no information is stored or logged. No account or signup required — just open the tool and get started instantly.
Yes, Bankruptcy Means Test is completely free to use. There are no hidden charges, no premium tiers, and no usage limits. Use it as many times as you need.
Yes. All processing happens directly in your browser using JavaScript. No data is uploaded to any server, no files leave your device, and nothing is stored or logged.
This tool helps you understand your debt situation and compare payoff strategies. It uses proven methods like the debt snowball and avalanche methods. For personalized debt counseling, consider consulting a certified financial planner.
No, absolutely not. No account, no email, no signup of any kind is required. Just open the tool and start using it immediately. We believe tools should be accessible to everyone without barriers.
Yes, Bankruptcy Means Test is fully responsive and works on all devices including smartphones, tablets, laptops, and desktops. It works in any modern browser including Chrome, Firefox, Safari, and Edge.