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Federal Bankruptcy Exemptions — What You Keep

Federal Bankruptcy Exemptions — What You Keep It’s free, runs in your browser, and stores nothing you enter.

Estimated property you can protect
$0
Federal exemptions. Married couples filing jointly may double most figures. About $0 may be unprotected.
Home equity protected$0
Vehicle equity protected$0
Cash / personal protected (wildcard)$0
Total protected$0
Illustrative using the FEDERAL exemptions (11 U.S.C. §522(d)), effective Apr 1, 2025. Many states require you to use STATE exemptions instead (and some let you choose). Married couples may double most amounts. Not legal advice. This is an illustrative estimate for general informational purposes only. It is not legal, tax, or financial advice, it does not create an attorney–client relationship, and it is not a quote, promise, prediction, or guarantee of any benefit, amount, eligibility, deadline, or outcome. Figures are based on published government sources as of the date shown and change over time; results may not reflect current law or the facts of your situation. Do not rely on this tool — consult a licensed attorney before taking or refraining from any action.

Key figures behind this estimate

Published government figures used in the calculation, with their effective date and source.

31,575
§522(d)(2) motor vehicle
5,025
§522(d)(5) wildcard (base)
1,675
§522(d)(5) wildcard (unused-homestead add-on)
15,800
§522(d)(3) household goods (aggregate)
16,850

Frequently asked questions

What does the Federal Bankruptcy Exemptions — What You Keep estimate?

Federal Bankruptcy Exemptions — What You Keep It runs entirely in your browser and stores nothing you enter.

Are the figures current?

Yes. The estimate uses published government figures, each dated on this page (as of 2026) with its source.

Is this calculator legal advice?

No. It is an informational estimate from published data and does not create an attorney–client relationship. Confirm specifics with a licensed attorney.

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Illustrative using the FEDERAL exemptions (11 U.S.C. §522(d)), effective Apr 1, 2025. Many states require you to use STATE exemptions instead (and some let you choose). Married couples may double most amounts. Not legal advice.