See what remains each month or explore what paying back a balance could look like. Start with what you know. No account needed.
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What Bankruptcy Buddy works out for you
Bankruptcy Buddy can help turn a complex financial situation into clearer next steps. It helps you understand how much money you may have available each month for repayment and uses that estimate to create a potential repayment plan.
Disposable Income Estimate
Bankruptcy Buddy estimates how much money you may have left each month after necessary expenses and debt payments. It reviews your recent income, leaves out certain protected benefits, and accounts for common costs such as housing, food, transportation, and healthcare. This gives you a clearer picture of your finances and shows how Bankruptcy Buddy handles calculations that can otherwise feel overwhelming. The estimate is educational and is not a complete bankruptcy means test or legal advice.
Repayment Plan Estimate
Bankruptcy Buddy uses your financial information to create estimated 36-month and 60-month repayment plans. Each estimate shows a possible monthly payment and how that money may be divided among plan costs, debts that must be paid first, property you want to keep, and other debts. The side-by-side comparison makes a complicated process easier to understand, but it is educational only and is not an official Chapter 13 plan or a guarantee of court approval.
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These tools do arithmetic with the numbers you enter. They do not decide whether bankruptcy is right for you, run a legal means test, or create a Chapter 13 plan. Keep the source records and discuss legal decisions with a qualified professional.