Calculators - debt cost, means test, and what you keep

1. What your debt really costs

See whether your payment is paying anything down, or just feeding the interest.

Credit card debt

APR %

Loan debt

APR %

Monthly payment$700

Interest charged / mo

Blended APR

To stop the balance growing-

To clear it in 5 years-

The next two calculators are state-specific. Choose your state to see your means-test line and what your exemptions protect.

2. State means-test pre-check

The income gate for Chapter 7.

Annual household income (before taxes, all earners)

People in your household (including you)

Texas median for your household-

Checks the income comparison only. Over the median, a full test weighs allowed expenses, which often still leads to relief. Median figures update periodically and are approximate here.

3. What you keep in Texas

Estimate what Texas exemptions protect.

Filing as

Home equity (value minus mortgage)

Personal property (cars, furniture, tools, etc.)

Retirement savings

Home equity protected-

Personal property protected (cap -)-

Retirement protected-

Estimated total you keep-

Estimate only. Verify current Texas Property Code limits with an attorney. Not legal advice.

Want the full picture? The questionnaire combines all of this with your debt makeup, assets, and goals into one personalized read.