Chapter 13 Plan Calculator
Availability: The Chapter 13 Plan Calculator is rolling out district by district. It may not be turned on for your filing district yet. If you'd like your district prioritized, reach out to Glade support and we'll get it into the queue.
The Chapter 13 Plan Calculator builds your Chapter 13 plan straight from the case — pulling the petition, income, means test, and claims you've already entered — and turns it into a finished, filable plan document with a full month-by-month payment breakdown.
Overview
The calculator assembles the plan for you instead of you rebuilding numbers by hand. Everything it needs is already in the case: the schedules from the petition, the income and means test, and the claims list. It maps those into the correct sections of your district's Chapter 13 plan form, calculates the monthly payment and plan length, and lets you finalize the result as a versioned, filable document you can later amend.
Where the Numbers Come From
You don't re-enter anything. The calculator reads the case data you've already captured:
Plan input | Comes from |
|---|---|
Property and assets | Schedule A/B |
Exemptions | The exemptions you've claimed |
Secured, priority, and unsecured debts | Schedules D, E/F, and G |
Monthly payment and plan length | Schedule I/J income and the means test |
Claims and their treatment | The case's claims list |
If you change the underlying case data, re-open the calculator and the plan reflects the update.
How It Works
Open the calculator on the case once the petition, income, and claims are in place.
Review the monthly payment and plan length. Glade sets a starting point from the means test — above-median cases default to 60 months, below-median cases to 36 months — and you can adjust from there. Step payments are supported (for example, a payment that steps up when a lease ends within the next 12 months).
Assign a treatment to each claim. Claims are pulled from the petition; each one gets a treatment type that maps to a specific section of the plan form.
Check the liquidation analysis. Glade runs the liquidation ("best interest of creditors") math and surfaces any non-exempt equity so you can see what unsecured creditors would receive in a hypothetical Chapter 7.
Read the payment waterfall. A full month-by-month breakdown shows trustee fees, administrative costs, priority, secured, and unsecured payouts — so you can answer "when does this get paid off?" without doing it in your head.
Finalize the plan as a versioned document, then file it.
The Payment Waterfall
The calculator shows the entire plan paid out month by month: trustee fees, administrative expenses, priority claims, secured claims, and the unsecured pool. This is what clients ask about most often — when a car gets paid off, when unsecured payments begin — and it's all visible on one screen instead of living in one person's head.
Claims and Treatments
Every claim from the petition is assigned a treatment type, and each treatment maps to a specific section of the Chapter 13 plan form. Getting the treatment right is what puts each claim in the correct place on the filed plan. Glade can share a treatment-to-form-section reference so both attorneys and paralegals know exactly where each treatment type lands.
Liquidation Analysis
Glade computes the liquidation analysis automatically and highlights non-exempt equity when there is any. Non-exempt equity is worth a second look — it often points to an exemption that hasn't been claimed yet — so the calculator surfaces the amount rather than burying it.
Amending a Filed Plan
A finalized plan is saved as a versioned document. When you need to change a filed plan, you re-open it and file an amended version — First Amended, Second Amended, and so on — with the amended plan tracking which sections changed.
Key Details
The plan is built from the case, not typed from scratch — schedules, exemptions, debts, income, and claims all flow in automatically.
Payment and length start from the means test — above-median defaults to 60 months, below-median to 36, adjustable per case, with step payments supported.
Each claim treatment maps to a plan-form section — the treatment you choose determines where the claim appears on the filed plan.
The plan is a versioned document — finalize, file, and re-open for amendments.
Availability is district by district — contact Glade support to have your district prioritized.
FAQ
Q: The calculator isn't available on my case. Why?
A: The Chapter 13 Plan Calculator is being rolled out one filing district at a time, so it may not be turned on for your district yet. Contact Glade support to ask for your district to be prioritized.
Q: Do I have to re-enter the schedules and claims?
A: No. The calculator reads everything from the case — Schedule A/B, exemptions, Schedules D and E/F and G, Schedule I/J, the means test, and the claims list. Update the case data and re-open the calculator to see the change.
Q: How does Glade decide the plan length?
A: It starts from the means test — 60 months for above-median cases, 36 for below-median — and you can adjust it for the case in front of you.
Q: Where do I see when a debt gets paid off?
A: The month-by-month payment waterfall shows trustee fees, administrative costs, priority, secured, and unsecured payouts across the life of the plan.
Q: Why is there non-exempt equity showing in the liquidation analysis?
A: Non-exempt equity means creditors would receive something in a hypothetical Chapter 7. It's surfaced deliberately because it often signals an exemption that hasn't been claimed — worth a check before you finalize.
Q: How do I file an amended plan?
A: Re-open the finalized plan and file an amended version. Glade tracks it as First Amended, Second Amended, and so on, along with which sections changed.