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Home > Bankruptcy Form B 6J Calculator

B 6J - Schedule J - Current Expenditures of Individual Debtor(s)

We know that filling out your own bankruptcy forms can require a lot of changes and corrections, especially when it comes to Schedule J due to its legthy listing of monetary amounts and trying to figure out exactly how much you spend on each category monthly. The form below will allow you to enter and then change the numbers for the Schedule J form to allow you to change numbers as needed. Once you're done filling in the form, you can print this page and transfer the numbers into the official Schedule J form.

Instructions listed on the official government form:

Complete this schedule by estimating the average or projected monthly expenses of the debtor and the debtor's family at time case filed. Prorate any payments made biweekly, quarterly, semi-annually, or annually to show monthly rate. The average monthly expenses calculated on this form may differ from the deductions from income allowed on Form22A or 22C.



1. Rent or home mortgage payment (include lot rented for mobile home)
a. Are real estate taxes included? Yes    No
b. Is property insurance included? Yes    No
2. Utilities:
a. Electricity and heating fuel
b. Water and sewer
c. Telephone
d. Other:   
3. Home maintenance
4. Food
5. Clothing
6. Laundry and dry cleaning
7. Medical and dental expenses
8. Transportation (not including car payments)
9. Recreation, clubs and entertainment, newspapers, magazines, etc.
10. Charitable contributions
11. Insurance (not deducted from wages or included in home mortgage payments)
a. Homeowner's or Renter's
b. Life
c. Health
d. Auto
e. Other:    
12. Taxes (not deducted from wages or included in home mortgage payments):    
13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the plan)
a. Auto
b. Other:    
c. Other:    
14. Alimony, maintenance, and support paid to others
15. Payments for support of additional dependents not living at your home
16. Regular expenses from operation of business, profession, or farm (attach detailed statement)
17. Other:    
18. AVERAGE MONTHLY EXPENSES
19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year following the filing of this document:

 
a. Average monthly income from Line 15 of Schedule I
b. Average monthly expenses from Line 18 above
c. Monthly net income (a. minus b.)



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