Welcome to the Chapter 13 Calculator

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Start
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About
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Finances
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Results

Expectations:

What do you get?

  1. Chapter 13 payment plan estimate using US Bankruptcy forms (More assumptions than precise estimate)
  2. Ability to compare your different options by payment estimates
  3. Free analysis of your information

What does it take?

  1. Usually takes 2 - 3 minutes
  2. Email is required for payment plan analysis

What is Ascend?

Ascend is a mission based organization to help you:

  1. Simplify complex debt relief calculations
  2. Unbiasedly compare your options with pros and cons
  3. Receive free analysis of those options
  4. Receive access to the most reputable and affordable providers in your area based on what option is best for you

Please note that Ascend can provide free, unbiased information because we may charge a small fee to providers in our network. We take provider reputation seriously. Please see our vetting process to be part of our provider network.

Approximately how much student loan debt do you have?
Required
Approximately how much other unsecured debt do you have? Please include such debts as medical, credit card and personal loan debt.
Required
What is your marital and filing status?
Required
Will you want to apply for a mortgage, auto loan, or co-sign for a student loan in the next 18-24 months?
Required
What is causing you to consider debt relief?
Required
Have you been discharged from a Chapter 7 bankruptcy in the past 8 years?
Required
How many people are in your household (including yourself)?
Required
How many people in your household are 65 or older?
Required
How many of your dependants (excluding a spouse) are over 18 years old?
Required
What is your zip code?
Required

Income:

What is your approximate monthly gross income (before taxes)?
Required
What is your spouse's approximate monthly gross income (before taxes)?
Required
Estimated monthly overtime income
Required
Other monthly income
Required
How consistent is your income?
Required

Living Expenses:

What is your current living situation?
Required
Monthly 1st mortgage payment
Required
Monthly 2nd mortgage payment:
Required
If applicable, how many months are your behind on your mortgage as of this month?
Required
If applicable, how many months are your behind on your 2nd mortgage as of this month?
Required
Do you own equity in any high value assets such as a vacation home, boat, RV, jewelry, etc?
Required
How much equity do you own in these high value assets?
Required
Do you have any other assets of value greater than $1,000, including stocks, individual brokerage accounts, or retirement accounts?
Required
What is the value of your retirement account?
Required
What is the value of your non-retirement account?
Required

Automobile expenses:

Monthly automobile payment:
Required
What is the Year, Make, and Model of this vehicle?
Required
Approximately how much is owed on this vehicle?
Required
Approximately how much mileage on this vehicle?
Required
Approximately how much is this vehicle worth?
Required
Is this vehicle titled in your name?
Required
If applicable, how many months are your behind on your automobile as of this month?
Required
Monthly 2nd automobile payment:
Required
What is the Year, Make, and Model of this vehicle?
Required
Approximately how much is owed on this vehicle?
Required
Approximately how much mileage on this vehicle?
Required
Approximately how much is this vehicle worth?
Required
Is this vehicle titled in your name?
Required
If applicable, how many months are your behind on your 2nd automobile as of this month?
Required

Other Expenses:

Do you have any outstanding balance on any such loans as jewelry, furniture, tvs, etc.?
Required
What is the balance of these loans?
Required
What is the monthly amount that you pay for other debt that is secured by an asset, such as an RV, jet ski, jewelry, etc.?
Required
Did you receive a refund in your most recent tax filing?
Required
Tax debt in arrears
Required
What are the tax years for the owed debts?
Required
Did you file a return for all those years?
Required
Approximately when were the returns filed?
Required
Alimony and child support in arrears
Required

Your Results:

Which of the following would you like to compare your Chapter 13 payment plan estimate and pros and cons to? Check all that apply
Required
Which of the following do you prefer?
Required

Note: Our partners, such as LegalZoom, conduct free, no-hassle evaluations to learn about your options. You can complete it over the phone in as little as 10 minutes. The attorney fees are affordable, and often a flat fee. All initial consultations are 100% free of charge, and all lawyers are licensed in your state.

First Name
Required
Last Name
Required
Email
Required
Phone Number
Required
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Disclaimer: Ascend strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty, and estimated APR and other terms are not binding in any way. All loans presented on this page have a maximum APR of no greater than 35.99% with terms not less than 12 months to not more than 60 months. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would cost $12,391.55 over the life of the loan. All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, and credit history. All loans are subject to credit review and approval. When evaluating offers, please review the lender and/or lending partner's Terms and Conditions for additional details.