New Hampshire Bankruptcy Calculators 2026 — Complete State Guide
New Hampshire residents filing bankruptcy use both federal bankruptcy law (11 U.S.C.) and New Hampshire-specific exemption statutes to determine eligibility, protect assets, and structure repayment plans. This page provides a complete reference for 2026 New Hampshire bankruptcy rules, including median income thresholds for the Chapter 7 means test, asset exemption amounts, and links to all state-specific calculators.
For a single person in New Hampshire, the 2026 Chapter 7 income limit is $79,188/year ($6,599/month). For a family of four: $133,224/year. New Hampshire's homestead exemption protects $120,000 in home equity. Retirement accounts are fully protected in New Hampshire, as they are in every state.
New Hampshire 2026 Chapter 7 Median Income Thresholds
| Household Size | Annual Income Limit | Monthly Limit |
|---|---|---|
| 1 person | $79,188 | $6,599 |
| 2 people | $99,528 | $8,294 |
| 3 people | $118,500 | $9,875 |
| 4 people | $133,224 | $11,102 |
| 5 people | $143,124 | $11,927 |
New Hampshire 2026 Bankruptcy Exemptions
| Asset Type | Protected Amount | Notes |
|---|---|---|
| Homestead / Home Equity | $120,000 | Primary residence |
| Motor Vehicle | $10,000 | — |
| Retirement Accounts | 100% | All qualified plans |
| Wildcard | $1,000 | Any asset |
| Personal Property | $7,000 | Household goods, clothing |
| Wages | 50 times the hourly minimum wage | Earned but unpaid wages |
New Hampshire Bankruptcy Calculators
- New Hampshire Chapter 7 Means Test Calculator
- New Hampshire Exemption Calculator
- New Hampshire Chapter 13 Calculator
- New Hampshire Debt-to-Income Calculator
- New Hampshire Credit Recovery Calculator
- Chapter 7 vs. Chapter 13 in New Hampshire
- New Hampshire Discharge Timeline Calculator
- New Hampshire Non-Exempt Asset Calculator
Frequently Asked Questions
How does New Hampshire's homestead exemption compare to other states?
New Hampshire's homestead exemption of $120,000 is above the national average for state homestead exemptions. Homeowners with equity near or above the exemption limit should discuss Chapter 13 as an alternative with a bankruptcy attorney.
Who qualifies for Chapter 7 bankruptcy in New Hampshire?
To file Chapter 7 in New Hampshire, you must pass the means test (income at or below $79,188/year for a single person, or complete the disposable income calculation if above), not have had a Chapter 7 discharge within the past 8 years or a Chapter 13 discharge within the past 6 years, not have had a bankruptcy case dismissed within the past 180 days for cause (fraud, willful failure to follow court orders), and complete a credit counseling course from an approved provider within 180 days before filing.
What is the typical cost to file bankruptcy in New Hampshire?
The filing fee for Chapter 7 in New Hampshire is $338 (payable to the bankruptcy court) and for Chapter 13 is $313. Attorney fees vary significantly: Chapter 7 attorney fees in New Hampshire typically range from $1,000 to $2,500 depending on case complexity, geographic market, and attorney experience. Chapter 13 attorney fees are subject to local court fee guidelines and are typically $3,000 to $5,000, paid through the plan over time rather than upfront. Fee waivers are available for Chapter 7 filers with income below 150% of the federal poverty line.