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Much like the summary worksheets, the Analysis area in the Statement of Current Monthly Income… window provides data for your review. Although you can review the data here, you can revise it only by revising the data you entered previously in the various sections of this window.

1. In the main menu bar, select Client> Form B22… to open the Statement of Current Monthly Income… window.
2. Select the Income tab.
3. In the Analysis area, use the following guidelines to review the calculation:

If the difference appears in red, the debtor’s income is greater than the median income.	If the difference appears in green, the debtor's income is less than or equal to the median income.
For Chapter 7 cases, this indicates that the debtor does not automatically qualify for § 707(b)(7) exclusion, that is, the debtor does not automatically qualify to file under Chapter 7, and a means test must be performed. Complete the information on the IRS Standards and Other tabs. For Chapter 13 cases, this indicates that disposable income as defined by § 1325(b)(3) must be calculated. Furthermore, if the debtor’s annualized current monthly income as defined by § 1325(b)(4) is greater than the state median income, the plan commitment period is five years. Complete the information on the IRS Standards and Other tabs.	For Chapter 7 cases, this indicates that no means test is necessary. For Chapter 13 cases, this indicates that disposable income as defined by § 1325(b)(3) need not be calculated. Furthermore, if the debtor’s annualized current monthly income as defined by § 1325(b)(4) a is less than the state median income, the plan commitment period is only three years (though a five-year plan still can be filed). No further action is necessary.
Note: You can reset the properties of Form B22C so that if the Monthly Disposable Income is a negative number it is shown as zero.

4. Confirm the actions you need to take by reviewing the explanation in the scrolling text area directly below the Analysis.
5. Review the Current monthly income….
   It shows the debtor’s average monthly income for the 6-month income-inclusive period calculated from the Annualized monthly income… and divided by 12.
   This amount appears on Line 18 of Form B22A, Line 11 of Form B22B, or Line 20 of Form B22C.
6. Do one of the following:

• If debtor is eligible to file Chapter 7 or Chapter 13, continue with the procedure listed under Next step.
• If filing Chapter 11 or if debtor is not eligible to file Chapters 7 or 13, you have completed the process for filling out Form B22. No further action is necessary.

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