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Bankruptcy Compass
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  • What you keep
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  • Should you file?
  • Chapter 7
  • Chapter 13
  • Means test
  • What you keep
  • Debts

What you keep depends on your state.

Home, car, wages and savings: each state's limits, read in its own statute, with the dates they apply. Then the federal rules every filer shares.

Pick your state

Choose a state
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Federal choice, homestead, car and wildcard, with the amounts in force and their dates.

See every state's limits →
  • Means test calculatorYour income against your state's median, with the form's own sums.
  • What does filing cost?Court fees, paying in instalments and the fee waiver test.

Browse by topic

  • Should You File?What bankruptcy is, what it costs, the alternatives and how…
  • Chapter 7How Chapter 7 works, filing step by step, the 341…
  • Chapter 13How Chapter 13 works, the payment plan and stopping a…
  • Means Test and Income LimitsThe means test, the income limit in every state and…
  • What You KeepExemptions in all 50 states and DC, your house, your…
  • Debts and DischargeStudent loans, taxes, medical bills, reaffirmation and garnishment
  • Life After BankruptcyYour credit report, rebuilding credit and buying a home

Calculators

  • Chapter 7 Means Test Calculator→
  • Chapter 7 Income Limits by State→
  • Bankruptcy Exemptions by State: All 51→
  • Chapter 13 Payment Calculator→

How we check.

The Bankruptcy Code, the US Trustee, court rules and each state's statutes, read at the source and dated on every page. We sell nothing and refer no one.

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More guides

  • How Much Does It Cost to File Bankruptcy?Should You File? · Updated Nov 7, 2026
Bankruptcy Compass

An independent guide to personal bankruptcy. Independent guides, researched and checked against original sources, and dated so you can see when they were last reviewed.

Topics

  • Should You File?
  • Chapter 7
  • Chapter 13
  • Means Test and Income Limits
  • What You Keep
  • Debts and Discharge
  • Life After Bankruptcy
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© 2026 Bankruptcy Compass

General information, not legal, tax or financial advice, and not a substitute for the advice of an attorney. Bankruptcy law and exemption amounts vary by state and change. A court or a lawyer decides what applies to you.