Official Form 122C-2 - Chapter 13 Calculation of Your Disposable Income

Worksheet only. Complete 122C-1 first. Transfer to the official form/e-filing software. Confirm current IRS standards and trustee admin percentages required by your district.

United States Bankruptcy Court
District of [District]

In re: [Debtor Name(s)]
Case No.: [if known]
Chapter: 13

Part 1: Adjusted Income

• Current monthly income (from 122C-1): $[CMI]
• Marital adjustment (if non-filing spouse expenses are excludable): $[ ]
• Adjusted income: $[Adjusted]

Part 1A: Inputs for Standards (to avoid double counting)

• Filing state/county (for Local Standards): [State/County]
• Household size: [ ]
• Vehicles owned/leased (0/1/2): [ ]
• Public transportation instead of vehicle? [Yes/No]
• Filing date (to select correct IRS tables): [ ]

Part 2: Allowed Deductions (11 U.S.C. §1325(b)(3) via §707(b)(2))

Use applicable IRS National/Local Standards and actual expenses where permitted. Document sources.

• IRS National Standards (food, clothing, etc.) — Line [ ]: $[ ]
• IRS Local Standards: Housing/Utilities (standard allowance; do not add mortgage here) — Line [ ]: $[ ]
• IRS Local Standards: Transportation operating — Line [ ]: $[ ]
• IRS Local Standards: Transportation ownership (Vehicle 1) — Line [ ]: $[ ]; (Vehicle 2) — Line [ ]: $[ ]
• Public transportation allowance (if applicable) — Line [ ]: $[ ]
• Taxes (federal/state/local/FICA/Medicare): $[ ]
• Involuntary deductions (union dues, mandatory retirement): $[ ]
• Health insurance/disability/HSA: $[ ]
• Additional healthcare (if over standard): $[ ]
• Care for elderly/disabled/dependents: $[ ]
• Court-ordered payments (DSO, etc.): $[ ]
• Education for employment/special needs child: $[ ]
• Charitable contributions (statutory): $[ ]
• Protection from family violence expenses (if applicable): $[ ]
• Home energy adjustment (if applicable): $[ ]
• Telecommunications/other necessary expenses (not already covered above; justify necessity): $[ ]

Secured Debt Payments (average over plan term)

• Secured claim 1 (collateral, creditor, contract payment) — Line [ ]: $[ ] per month
• Secured claim 2 — Line [ ]: $[ ] per month
• Adequate protection/lease payments (if any): $[ ] per month
• Total secured debt average: $[ ]

Priority Claims (average over plan term)

• Priority claims total: $[ ]
• Priority average (divide by 60): $[ ]

Chapter 13 Administrative Allowance

• Trustee/admin percentage or fixed allowance (per local practice): $[ ]

Total deductions: $[Total Deductions]

Part 3: Disposable Income and Plan Term

• Monthly disposable income (Adjusted income − Total deductions): $[MDI]
• Applicable commitment period: [60 months if above median; 36 months if below, unless extended for feasibility].
• Projected plan base (MDI × months before step-pay/special circumstances): $[ ]

Part 4: Special Circumstances (if any)

Describe and quantify additional expenses or adjustments claimed; attach documentation.
[Narrative]

Signature

I declare under penalty of perjury that the information provided is true and correct.

Debtor 1 Signature: __________________________ Date: __________
Debtor 2 Signature (if joint): __________________________ Date: __________

Retain IRS standard tables, pay proofs, secured debt amortization, and any special-circumstance exhibits as support.