Bankruptcy & alternatives

Subchapter V Debt Threshold Worksheet

Check debt-limit arithmetic and business-debt share for a Subchapter V consultation.

Free to useNo signupEditable assumptionsDownload your breakdown

Subchapter V Debt Threshold Worksheet

Example values, try your own
USD
USD
USD

No signup needed. Calculator values stay in this page and are not sent by this tool. Results are illustrative.

Your numbers, made clear

How to use this calculator

  1. Gather your contract and statement figures. Use documents covering the same date or period.
  2. Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
  3. Review the scenario result and supporting breakdown. Open the breakdown and export a copy for discussion.

How the calculation works

Compare classified debt with the entered verified threshold. Divide business-origin included debt by total included debt and compare with 50%. The current researched threshold is $3,424,000 for cases subject to the April 2025 adjustment.

Worked example

These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.

Debt threshold arithmetic
At or below entered limit
Included business-debt share
75.00%
Headroom under entered limit
$1,424,000.00
Other legal conditions
Need counsel review

Questions about the results

What does this tool include?

Check debt-limit arithmetic and business-debt share for a Subchapter V consultation. Compare classified debt with the entered verified threshold. Divide business-origin included debt by total included debt and compare with 50%. The current researched threshold is $3,424,000 for cases subject to the April 2025 adjustment.

What should I verify before relying on the result?

This is a two-number screen, not an eligibility determination. Debt exclusions, affiliates, business activities, entity status and other statutory conditions require counsel. Verify the threshold for the actual filing date.

What this result does and does not tell you

This is a two-number screen, not an eligibility determination. Debt exclusions, affiliates, business activities, entity status and other statutory conditions require counsel. Verify the threshold for the actual filing date.

Sources and reference material

Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.

U.S. Courts: Chapter 11 and Subchapter V

U.S. Trustee: Chapter 11 information

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