Bankruptcy & alternatives
Subchapter V Debt Threshold Worksheet
Check debt-limit arithmetic and business-debt share for a Subchapter V consultation.
How to use this calculator
- Gather your contract and statement figures. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- 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.