Tennessee CMI Calculator
Bankruptcy Means Test — Form 122A-1 / 122C-1 — with Pay Advice PDF Import (incl. OCR)
Filing & Household Information
Determines the 6-month lookback window.
Verify with current USTP figure.
Income Entry
✏️ Manual Entry
Enter total gross income received by source during the 6 full calendar months preceding the filing month. Exclude Social Security benefits.
| Income Source | Debtor (6-mo total) | Spouse (6-mo total) |
|---|---|---|
| Gross wages, salary, tips, overtime, retro pay | ||
| Business / self-employment / farm income (net) | ||
| Rental and other real property income (net) | ||
| Interest, dividends, royalties | ||
| Pension and retirement income | ||
| Unemployment compensation | ||
| Regular contributions from others (child/family support) | ||
| Other income |
Do NOT include: Social Security benefits, payments to victims of war crimes or international terrorism. Spouse's income is included if filing jointly, or if the non-filing spouse's income contributes to household expenses.
Results
Lookback Window—
Total Gross Income (6-month lookback)—
Current Monthly Income (CMI) — total ÷ 6—
Annualized CMI (CMI × 12)—
Tennessee Median Income (household size —)—
Difference (Annualized CMI − Median)—
Income breakdown
Disclaimer: This tool is for informational estimation only and does not constitute legal or financial advice. Tennessee median income figures are published and periodically updated by the U.S. Trustee Program (USTP). Verify the current figure for your filing date at justice.gov/ust before relying on this calculation. CMI determination for Form 122A-1 (Chapter 7) or 122C-1 (Chapter 13) should be reviewed by a qualified bankruptcy attorney.