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Allowable Living Expenses

(IRS National Standards for Bankruptcy Means Test -- Cases Filed On and After November 1, 2019)

Collection Financial Standards for Food, Clothing and Other Items

Expense One Person Two Persons Three Persons Four Persons
Food  $386 $685 $786 $958
Housekeeping supplies $40 $72 $76 $76
Apparel & services $88 $159 $169 $243
Personal care products & services     $43 $70 $76 $91
Miscellaneous $170 $302 $339 $418
Total $727 $1,288 $1,446 $1,786

 

More than four persons: Additional Amount Per Person
For each additional person, add amount to four-person total allowance: $420

 

Bankruptcy Allowable Living Expenses — National Standards

Expense One Person Two Persons Three Persons Four Persons
5% of food & clothing $24 $42 $48 $60
Food & clothing (apparel & services)* $474 $844 $955 $1,201

 

More than four persons Additional Amount Per Person
5% of food & clothing $14
Food & clothing (apparel & services)* $282

* This total may differ from the combination of the two amounts in the Collection Financial Standards table due to rounding.

Bankruptcy Means Test