{"id":13306,"date":"2026-03-11T13:29:45","date_gmt":"2026-03-11T17:29:45","guid":{"rendered":"https:\/\/www.duncanlawonline.com\/?page_id=13306"},"modified":"2026-06-08T22:19:36","modified_gmt":"2026-06-09T02:19:36","slug":"chapter-13-plan-calculator","status":"publish","type":"page","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-13-plan-calculator\/","title":{"rendered":"Chapter 13 Plan Calculator"},"content":{"rendered":"<style>\n\/* Full-width override for calculator page \u2014 with comfortable gutters *\/\n.content-area,\n.site-main,\narticle.post-13306 {\n  max-width: 100% !important;\n  width: 100% !important;\n}\n.entry-content,\n.entry-content p,\n.entry-content h1,\n.entry-content h2,\n.entry-content h3,\n.entry-content ul,\n.entry-content ol,\n.entry-content div {\n  max-width: 100% !important;\n  width: auto !important;\n}\n.site-content {\n  padding-left: 40px !important;\n  padding-right: 40px !important;\n}\n\n\/* Section color bands *\/\n.calc-section{\n  border-radius:8px;\n  padding:4px 20px 20px;\n  margin-top:20px;\n}\n.calc-section--realproperty  { background:#EEF4FF; }\n.calc-section--secured       { background:#EDFAF3; }\n.calc-section--priority      { background:#FFF8EC; }\n.calc-section--unsecured     { background:#F5F0FF; }\n.calc-section--plansettings  { background:#EFF9FA; }\n<\/style>\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n<h1>Chapter 13 Bankruptcy Payment Calculator for North Carolina<\/h1>\n<p>If you are considering filing <a href=\"https:\/\/www.duncanlawonline.com\/chapter-13-bankruptcy\/\">Chapter 13 bankruptcy<\/a>, one of the most common questions people ask is: <strong>\u201cWhat will my Chapter 13 payment be?\u201d<\/strong> The answer depends on several factors, including mortgage arrears, vehicle loans, priority debts, and how much must be paid to unsecured creditors. Our Chapter 13 calculator below provides a <strong>rough estimate of a potential monthly Chapter 13 plan payment<\/strong> based on those inputs.<\/p>\n<h2>How Chapter 13 Plan Payments Are Calculated<\/h2>\n<p>In a Chapter 13 case, your monthly payment is designed to repay certain debts over a three-to-five-year period. Plan payments often include:<\/p>\n<ul>\n<li>Mortgage arrears or foreclosure cure amounts<\/li>\n<li>Vehicle loans or other secured debts<\/li>\n<li>Priority debts such as certain taxes<\/li>\n<li>A percentage repayment to unsecured creditors<\/li>\n<li>Trustee administrative fees<\/li>\n<\/ul>\n<p>The calculator below estimates these amounts and gives you a general idea of what a Chapter 13 payment might look like. <strong>Important:<\/strong> This calculator provides only an estimate. Actual Chapter 13 payments depend on disposable income calculations, local trustee practices, and other requirements under the Bankruptcy Code.<\/p>\n<h2>Estimate Your Chapter 13 Payment<\/h2>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"WebApplication\",\n  \"name\": \"Chapter 13 Bankruptcy Payment Calculator\",\n  \"applicationCategory\": \"FinanceApplication\",\n  \"operatingSystem\": \"All\",\n  \"description\": \"Estimate a potential Chapter 13 bankruptcy monthly payment including mortgage conduit payments and unsecured repayment amounts.\",\n  \"url\": \"https:\/\/www.duncanlawonline.com\/chapter-13-payment-calculator\/\",\n  \"creator\": {\n    \"@type\": \"LegalService\",\n    \"name\": \"Duncan Law, LLP\",\n    \"areaServed\": \"North Carolina\"\n  }\n}\n<\/script> <script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"WebApplication\",\n  \"name\": \"Chapter 13 Bankruptcy Payment Calculator\",\n  \"applicationCategory\": \"FinanceApplication\",\n  \"operatingSystem\": \"All\",\n  \"description\": \"Estimate a potential Chapter 13 bankruptcy monthly payment including mortgage conduit payments and unsecured repayment amounts.\",\n  \"url\": \"https:\/\/www.duncanlawonline.com\/chapter-13-payment-calculator\/\",\n  \"creator\": {\n    \"@type\": \"LegalService\",\n    \"name\": \"Duncan Law, LLP\",\n    \"areaServed\": \"North Carolina\"\n  }\n}\n<\/script><\/p>\n\n\n\n<p><style>\n.ch13calc{\n  max-width:100%;\n  font-family:Arial, sans-serif;\n  background:#f8f8f8;\n  padding:28px 32px;\n  border-radius:8px;\n  box-sizing:border-box;\n}\n.ch13calc h2{ margin-top:0; }\n.ch13calc h3{\n  margin-top:28px;\n  border-bottom:1px solid #ddd;\n  padding-bottom:5px;\n  grid-column: 1 \/ -1;\n  margin-bottom:4px;\n}\n.calc-grid-2{\n  display:grid;\n  grid-template-columns:1fr 1fr;\n  gap:0 28px;\n}\n.calc-grid-3{\n  display:grid;\n  grid-template-columns:1fr 1fr 1fr;\n  gap:0 28px;\n}\n.calc-field{ display:flex; flex-direction:column; }\n.ch13calc label{\n  display:block;\n  margin-top:14px;\n  font-weight:bold;\n  font-size:14px;\n}\n.ch13calc input,\n.ch13calc select{\n  width:100%;\n  padding:9px;\n  margin-top:4px;\n  border:1px solid #ccc;\n  border-radius:4px;\n  font-size:16px;\n  box-sizing:border-box;\n}\n.fieldhint{ margin-top:6px; font-size:13px; color:#666; }\n.resultbox{\n  margin-top:28px;\n  background:white;\n  padding:20px;\n  border-radius:6px;\n  box-shadow:0 2px 6px rgba(0,0,0,.1);\n}\n.estimatelabel{\n  text-align:center;\n  font-size:14px;\n  font-weight:bold;\n  color:#666;\n  text-transform:uppercase;\n  letter-spacing:.5px;\n}\n.estimatebadge{\n  display:inline-block;\n  margin:8px auto 0;\n  padding:5px 10px;\n  background:#eef4ff;\n  color:#2a6ebb;\n  border-radius:999px;\n  font-size:12px;\n  font-weight:bold;\n}\n.badgewrap{ text-align:center; }\n.total{\n  margin-top:10px;\n  font-size:36px;\n  font-weight:bold;\n  color:#2a6ebb;\n  text-align:center;\n}\n.breakdown{ margin-top:15px; }\n.breakdown div{\n  display:flex;\n  justify-content:space-between;\n  gap:15px;\n  margin-top:8px;\n  font-size:15px;\n}\n.unsecuredResult{\n  margin-top:10px;\n  font-size:14px;\n  color:#444;\n  grid-column: 1 \/ -1;\n}\n.actionrow{\n  display:flex;\n  justify-content:flex-end;\n  margin-top:16px;\n}\n.resetbtn{\n  background:#6b7280;\n  color:white;\n  padding:10px 16px;\n  border:none;\n  border-radius:5px;\n  cursor:pointer;\n  font-size:14px;\n}\n.resetbtn:hover{ background:#4b5563; }\n.ch13calcwrap{ position:relative; }\n.mobileStickyTotal{ display:none; }\n@media (max-width:900px){\n  .calc-grid-3{ grid-template-columns:1fr 1fr; }\n}\n@media (max-width:600px){\n  .ch13calc{ padding:18px 18px 90px; }\n  .calc-grid-2,.calc-grid-3{ grid-template-columns:1fr; }\n  .total{ font-size:30px; }\n  .breakdown div{ font-size:14px; }\n  .mobileStickyTotal{\n    display:flex;\n    align-items:center;\n    justify-content:space-between;\n    position:fixed;\n    left:0; right:0; bottom:0;\n    z-index:9999;\n    padding:12px 16px;\n    background:#1f2937;\n    color:#fff;\n    box-shadow:0 -2px 10px rgba(0,0,0,.2);\n  }\n  .mobileStickyTotal .stickyLabel{\n    font-size:13px; font-weight:bold; text-transform:uppercase; opacity:.9;\n  }\n  .mobileStickyTotal .stickyAmount{ font-size:24px; font-weight:bold; }\n}\n<\/style>\n\n<div class=\"ch13calcwrap\">\n<div class=\"ch13calc\">\n<h2>Chapter 13 Plan Payment Calculator<\/h2>\n<p>Enter the amounts below to estimate a potential Chapter 13 monthly payment.<\/p>\n\n<div class=\"calc-section calc-section--realproperty\">\n<div class=\"calc-grid-2\">\n<h3>Real Property<\/h3>\n<div class=\"calc-field\"><label for=\"mortgageThroughPlan\">Mortgage Paid Through Plan?<\/label><select id=\"mortgageThroughPlan\"><option selected=\"selected\" value=\"yes\">Yes<\/option><option value=\"no\">No<\/option><\/select><\/div>\n<div class=\"calc-field\"><label for=\"mortgage\">Monthly Mortgage Payment<\/label><input id=\"mortgage\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"calc-field\"><label for=\"arrears\">Mortgage Arrears<\/label><input id=\"arrears\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"calc-field\"><label for=\"fcfee\">Foreclosure Attorney Fees<\/label><input id=\"fcfee\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"calc-field\"><label for=\"taxes\">Property Taxes<\/label><input id=\"taxes\" type=\"text\" placeholder=\"$\" \/><\/div>\n<\/div>\n<\/div>\n\n<div class=\"calc-section calc-section--secured\">\n<div class=\"calc-grid-3\">\n<h3>Secured Debts<\/h3>\n<div class=\"calc-field\"><label for=\"cars\">Vehicle Loans<\/label><input id=\"cars\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"calc-field\"><label for=\"jewelry\">Jewelry<\/label><input id=\"jewelry\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"calc-field\"><label for=\"computer\">Computers<\/label><input id=\"computer\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"calc-field\"><label for=\"appliances\">Appliances<\/label><input id=\"appliances\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"calc-field\"><label for=\"miscSecured\">Other Secured Debt<\/label><input id=\"miscSecured\" type=\"text\" placeholder=\"$\" \/><\/div>\n<\/div>\n<\/div>\n\n<div class=\"calc-section calc-section--priority\">\n<div class=\"calc-grid-2\">\n<h3>Priority Debts<\/h3>\n<div class=\"calc-field\"><label for=\"priorityTaxes\">IRS \/ State Taxes<\/label><input id=\"priorityTaxes\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"calc-field\"><label for=\"attorneyFees\">Attorney Fees<\/label><input id=\"attorneyFees\" type=\"text\" placeholder=\"$\" \/><\/div>\n<\/div>\n<\/div>\n\n<div class=\"calc-section calc-section--unsecured\">\n<div class=\"calc-grid-3\">\n<h3>Unsecured Debt<\/h3>\n<div class=\"calc-field\"><label for=\"unsecured\">Total Unsecured Debt<\/label><input id=\"unsecured\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"calc-field\"><label for=\"percent\">Percent Paid to Unsecured<\/label><input id=\"percent\" type=\"text\" placeholder=\"4.5\" \/><\/div>\n<div class=\"calc-field\"><label for=\"unsecuredDollar\">Dollar Amount Paid to Unsecured<\/label><input id=\"unsecuredDollar\" type=\"text\" placeholder=\"$\" \/><\/div>\n<div class=\"unsecuredResult\">Calculated Unsecured Repayment: <strong>$<span id=\"unsecuredPaid\">0.00<\/span><\/strong><\/div>\n<\/div>\n<\/div>\n\n<div class=\"calc-section calc-section--plansettings\">\n<div class=\"calc-grid-2\">\n<h3>Plan Settings<\/h3>\n<div class=\"calc-field\"><label for=\"months\">Plan Length (Months)<\/label><input id=\"months\" min=\"1\" step=\"1\" type=\"number\" placeholder=\"60\" \/><div class=\"fieldhint\">Typical plans are 36\u201360 months.<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"resultbox\">\n<div class=\"estimatelabel\">Estimated Monthly Chapter 13 Payment<\/div>\n<div class=\"badgewrap\"><span class=\"estimatebadge\">Rough Estimate<\/span><\/div>\n<div class=\"total\">$<span id=\"result\">0.00<\/span><\/div>\n<div class=\"breakdown\">\n<div>Base Chapter 13 Payment$<span id=\"basePayment\">0.00<\/span><\/div>\n<div>Mortgage Payment Through Plan$<span id=\"mortgagePayment\">0.00<\/span><\/div>\n<\/div>\n<div class=\"actionrow\"><button class=\"resetbtn\" type=\"button\">Reset Calculator<\/button><\/div>\n<\/div>\n\n<\/div>\n<div class=\"mobileStickyTotal\">\n<div class=\"stickyLabel\">Estimated Payment<\/div>\n<div class=\"stickyAmount\">$<span id=\"stickyResult\">0.00<\/span><\/div>\n<\/div>\n<\/div>\n\n<p><script>\nlet unsecuredMode = \"percent\";\n\nfunction parseCurrency(value){\n  const cleaned = String(value || \"\").replace(\/[^0-9.]\/g, \"\");\n  const parts = cleaned.split(\".\");\n  const normalized = parts.length > 1 ? parts + \".\" + parts.slice(1).join(\"\") : parts;\n  return Number(normalized) || 0;\n}\n\nfunction parsePercent(value){\n  const cleaned = String(value || \"\").replace(\/[^0-9.]\/g, \"\");\n  const parts = cleaned.split(\".\");\n  const normalized = parts.length > 1 ? parts + \".\" + parts.slice(1).join(\"\") : parts;\n  return Number(normalized) || 0;\n}\n\nfunction formatWholeCurrencyForInput(num){\n  return num.toLocaleString(\"en-US\", {maximumFractionDigits:0});\n}\n\nfunction formatTwoDecimals(num){\n  return num.toLocaleString(\"en-US\", {\n    minimumFractionDigits:2,\n    maximumFractionDigits:2\n  });\n}\n\nfunction formatInput(input){\n  let value = parseCurrency(input.value);\n\n  if(value <= 0){\n    input.value = \"\";\n    return;\n  }\n\n  input.value = formatWholeCurrencyForInput(value);\n}\n\nfunction val(id){\n  return parseCurrency(document.getElementById(id).value);\n}\n\nfunction clamp(number, min, max){\n  return Math.min(Math.max(number, min), max);\n}\n\nfunction calculate(){\n  let mortgage = val(\"mortgage\");\n  let arrears = val(\"arrears\");\n  let fcfee = val(\"fcfee\");\n  let taxes = val(\"taxes\");\n\n  let cars = val(\"cars\");\n  let jewelry = val(\"jewelry\");\n  let computer = val(\"computer\");\n  let appliances = val(\"appliances\");\n  let miscSecured = val(\"miscSecured\");\n\n  let priorityTaxes = val(\"priorityTaxes\");\n  let attorneyFees = val(\"attorneyFees\");\n\n  let unsecured = val(\"unsecured\");\n  let percentField = document.getElementById(\"percent\");\n  let monthsField = document.getElementById(\"months\");\n  let mortgageThroughPlan = document.getElementById(\"mortgageThroughPlan\").value;\n\n  let percent = parsePercent(percentField.value);\n  percent = clamp(percent, 0, 100);\n\n  let unsecuredDollar = val(\"unsecuredDollar\");\n  let months = Number(monthsField.value) || 0;\n  months = months < 0 ? 0 : months;\n\n  let unsecuredPaid = 0;\n\n  if(unsecuredMode === \"dollar\"){\n    unsecuredPaid = unsecuredDollar;\n    percent = unsecured > 0 ? (unsecuredPaid \/ unsecured) * 100 : 0;\n    percent = clamp(percent, 0, 100);\n    percentField.value = unsecuredPaid > 0 ? percent.toFixed(2) : \"\";\n  } else {\n    unsecuredPaid = unsecured * (percent \/ 100);\n    document.getElementById(\"unsecuredDollar\").value = unsecuredPaid > 0 ? formatTwoDecimals(unsecuredPaid) : \"\";\n  }\n\n  document.getElementById(\"unsecuredPaid\").innerText = formatTwoDecimals(unsecuredPaid);\n\n  let mortgageInPlan = 0;\n  let conduitMortgage = 0;\n\n  if(mortgageThroughPlan === \"yes\"){\n    mortgageInPlan = mortgage * 3;\n    conduitMortgage = mortgage * 1.085;\n  }\n\n  let realProperty = mortgageInPlan + arrears + fcfee + taxes;\n  let secured = cars + jewelry + computer + appliances + miscSecured;\n\n  let planBase = realProperty + secured + priorityTaxes + attorneyFees + unsecuredPaid;\n  let trusteeAdjusted = planBase * 1.15;\n\n  let baseMonthly = months >= 1 ? trusteeAdjusted \/ months : 0;\n  let finalPayment = baseMonthly + conduitMortgage;\n\n  document.getElementById(\"result\").innerText = formatTwoDecimals(finalPayment);\n  document.getElementById(\"basePayment\").innerText = formatTwoDecimals(baseMonthly);\n  document.getElementById(\"mortgagePayment\").innerText = formatTwoDecimals(conduitMortgage);\n  document.getElementById(\"stickyResult\").innerText = formatTwoDecimals(finalPayment);\n}\n\nfunction resetCalculator(){\n  document.querySelectorAll(\".ch13calc input\").forEach(input => {\n    input.value = \"\";\n  });\n\n  document.getElementById(\"mortgageThroughPlan\").value = \"yes\";\n  unsecuredMode = \"percent\";\n\n  document.getElementById(\"result\").innerText = \"0.00\";\n  document.getElementById(\"basePayment\").innerText = \"0.00\";\n  document.getElementById(\"mortgagePayment\").innerText = \"0.00\";\n  document.getElementById(\"unsecuredPaid\").innerText = \"0.00\";\n  document.getElementById(\"stickyResult\").innerText = \"0.00\";\n}\n\ndocument.querySelectorAll(\".ch13calc input[type='text']\").forEach(input => {\n  input.addEventListener(\"input\", function(){\n    if(this.id === \"unsecuredDollar\"){\n      unsecuredMode = \"dollar\";\n      formatInput(this);\n    } else if (this.id === \"percent\") {\n      unsecuredMode = \"percent\";\n    } else {\n      formatInput(this);\n    }\n    calculate();\n  });\n});\n\ndocument.getElementById(\"months\").addEventListener(\"input\", calculate);\ndocument.getElementById(\"mortgageThroughPlan\").addEventListener(\"change\", calculate);\n\ncalculate();\n<\/script><\/p>\n\n\n\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"WebApplication\",\n  \"name\": \"Chapter 13 Bankruptcy Payment Calculator\",\n  \"applicationCategory\": \"FinanceApplication\",\n  \"operatingSystem\": \"All\",\n  \"description\": \"Estimate a potential Chapter 13 bankruptcy monthly payment including mortgage conduit payments and unsecured repayment amounts.\",\n  \"url\": \"https:\/\/www.duncanlawonline.com\/chapter-13-payment-calculator\/\",\n  \"creator\": {\n    \"@type\": \"LegalService\",\n    \"name\": \"Duncan Law, LLP\",\n    \"areaServed\": \"North Carolina\"\n  }\n}\n<\/script><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Chapter 13 Plan Payment Calculator Enter the amounts below to estimate a potential Chapter 13 monthly payment. Real Property Mortgage Paid Through Plan?YesNo Monthly Mortgage Payment Mortgage Arrears Foreclosure Attorney Fees Property Taxes Secured Debts Vehicle Loans Jewelry Computers Appliances Other Secured Debt Priority Debts IRS \/ State Taxes Attorney Fees Unsecured Debt Total &#8230; <a title=\"Chapter 13 Plan Calculator\" class=\"read-more\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/chapter-13-plan-calculator\/\" aria-label=\"Read more about Chapter 13 Plan Calculator\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","footnotes":""},"class_list":["post-13306","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Chapter 13 Plan Calculator - Duncan Law<\/title>\n<meta name=\"description\" content=\"&nbsp; 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