Official Form 106J, Schedule J: Your Expenses Completed Form Examples and Samples
Explore detailed, filled-out examples of Official Form 106J, Schedule J: Your Expenses. Our samples help you understand how to accurately list your monthly household expenses for Chapter 7 or Chapter 13 bankruptcy filings.
Official Form 106J, Schedule J: Your Expenses Example for Joint Filers
How this form was filled:
This example shows a completed Schedule J for a married couple, John and Jane Smith, who are filing for bankruptcy jointly. It details their combined monthly household expenses, including rent, utilities, food, transportation, and care for their two children. The form correctly calculates their total monthly expenses, which is a critical step in determining their disposable income for the bankruptcy proceeding.
Information used to fill out the document:
- Debtor 1: John M. Smith
- Debtor 2: Jane L. Smith
- Filing Type: Joint Petition
- Dependents: 2 children, ages 8 and 12
- Rent or Home Mortgage Payment: 2,250.00
- Property Taxes (if not included in mortgage): 0.00
- Homeowner's/Renter's Insurance (if not included): 45.00
- Utilities - Electricity and Heat: 185.00
- Utilities - Water, Sewer, Trash: 95.00
- Utilities - Telephone, Internet, Cable: 160.00
- Home Maintenance and Repair: 75.00
- Food and Groceries: 950.00
- Clothing, Laundry, Dry Cleaning: 150.00
- Medical and Dental Expenses: 220.00
- Transportation (not including car payments): 350.00
- Entertainment, Clubs, Recreation: 100.00
- Charitable Contributions: 50.00
- Insurance (not deducted from wages): 80.00
- Taxes (not deducted from wages): 0.00
- Installment Payments (Auto): 475.00
- Installment Payments (Other): 125.00
- Dependent Expenses (Childcare, Education): 450.00
- Total Monthly Expenses: 5,760.00
- Signature Date: October 26, 2026
What this filled form sample shows:
- Demonstrates how to list expenses for **joint filers** in a single consolidated form.
- Includes a comprehensive breakdown of common **household living expenses**, from housing to entertainment.
- Clearly shows how to account for expenses related to **dependents**, such as childcare.
- Provides a realistic calculation of **total monthly expenses**, a key figure for the means test and disposable income analysis.
- Signed and dated for **2026**, reflecting current filing standards and providing a relevant sample.
Form specifications and details:
| Form Name: | Official Form 106J, Schedule J: Your Expenses |
| Use Case: | Married couple with two dependents filing a joint bankruptcy petition. |
| Filing Type: | Individual Bankruptcy (Chapter 7 or Chapter 13) |
| Official Form Number: | 106J |
Created: March 07, 2026 01:10 AM
