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Bankruptcy Repayment Estimate Calculator

Work out bankruptcy repayment estimate instantly with clear inputs, formula shown and shareable results.

About Bankruptcy Repayment Estimate Calculator

A court-supervised repayment plan commits disposable income for a fixed number of years, after which qualifying unsecured balances are discharged. The recovery percentage creditors receive is simply committed income over the plan against total claims.

Formula

Plan recovery

Paid = min(debt, disposable × months); Discharged = debt - paid

Worked example

With the default values below, Bankruptcy Repayment Estimate Calculator returns Total Paid Under The Plan of $900,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Unsecured Debtminimum 0
1,500,000
Monthly Disposable Incomeminimum 0
15,000
Plan Length In Yearsaccepts 1–7
5

Results

Total Paid Under The Plan
$900,000.00
Share Of Debt Repaid
60.00%
Amount Discharged
$600,000.00
Monthly Plan Payment
$15,000.00

Step by step

  1. 1Values used
  2. 2Plan recovery
  3. 3Total Paid Under The Plan= 900,000.00
  4. 4Share Of Debt Repaid= 60.00
  5. 5Amount Discharged= 600,000.00
  6. 6Monthly Plan Payment= 15,000.00

Assumptions and limits

  • The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Insolvency outcomes depend on jurisdiction, asset position and court discretion. This is an illustrative estimate only and not legal or financial advice.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Insolvency outcomes depend on jurisdiction, asset position and court discretion. This is an illustrative estimate only and not legal or financial advice.

Frequently Asked Questions

Is all debt dischargeable?

No. Secured debt, most taxes, fines and support obligations generally survive a discharge.

Who decides disposable income?

The court, using prescribed allowances for living costs — the figure is rarely whatever the debtor proposes.

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