The Illinois Chapter 13 Model Plan (Calculating) is a court-approved formula for determining the amount of a debtor’s Chapter 13 repayment plan. The model plan helps to ensure that all creditors receive the same percentage of payment based on the debtor’s disposable income. The model plan also helps to ensure that the debtor makes payments in a timely manner and that all creditors are paid in full within the repayment period. The Illinois Chapter 13 Model Plan (Calculating) is used to calculate the total amount of monthly payments for a debtor’s Chapter 13 plan. The model plan uses a formula based on the debtor’s income, allowable expenses, priority claims, and secured claims. The calculation also takes into account the debtor’s monthly disposable income, the amount of secured claims, and the amount of priority claims. There are two types of Illinois Chapter 13 Model Plans (Calculating): the Standard Plan and the Special Plan. The Standard Plan is used to calculate a debtor’s monthly payments if they do not have any special circumstances, such as a large arbitrage or a second mortgage. The Special Plan is used to calculate a debtor’s monthly payments if they have special circumstances that require a different repayment plan.