Chapter 13 Calculation of Your Disposable Income is a process used by the court in Chapter 13 bankruptcy cases to determine how much you are able to pay each month to creditors. It is based on your current income and expenses, which are determined by the means test. The calculation includes all of your income, minus deductions for secured debts, priority debts, and administrative expenses. The main types of Chapter 13 Calculation of Your Disposable Income are the Chapter 13 Means Test, the traditional disposable income test, and the modified disposable income test. The Means Test is a formula that looks at your household income and compares it to the median income in your state for a household of your size. The traditional disposable income test looks at your current monthly income, subtracts out secured debt payments and priority debt payments, and then divides the remainder among all of your unsecured creditors. The modified disposable income test adds administrative expenses such as attorney fees, trustee fees, and other court costs to the total amount you can pay to creditors each month.