How they figure your income in means test

[caseyandjenny]

hi, this may be a dumb question, but when figuring out your income vs expenses, do you take your gross-expenses or your net-expenses?

[Phillymanhere]

gross income. expenses is the other side of the ledger.

[danaf]

Schedule I is your income - gross minus things such as taxes, health insurance, 401k ect....the things that come out of your paycheck. Which leaves you with a net. Schedule J is your montly expenses, which you add up & compare against your net income. These two schedules are very important for determining a 7 or a 13. Idealy you want to be left with no disposable income. And if you are left with disposable income, hopefully it is less than 100 a month as I think that is the threshold for pushing a 7 into a 13.