Estimate the monthly surplus income payment in a personal bankruptcy from your household's available income and the Superintendent's 2026 standard.
Use this estimator once you know your monthly surplus income under OSB Directive No. 11R2-2026. Surplus income is your household's available monthly income (net income after payroll deductions, minus non-discretionary expenses such as court-ordered support, child care needed to work and medical costs) minus the Superintendent's standard for your family size. The 2026 standards in Appendix A of the directive are $2,716 a month for one person, $3,381 for two, $4,157 for three, $5,047 for four, $5,724 for five, $6,456 for six and $7,188 for seven or more.
How it works. If monthly surplus income is $200 or more, the directive requires the bankrupt to pay 50% of it to the estate; under $200 nothing is owed. The tool multiplies the surplus by the percentage you enter. If other family members earn income, the directive first scales the surplus to your share of the household income; do that step yourself before entering the figure (see the surplus income calculation).
Worked example (illustrative). A single first-time bankrupt has $3,400 of available monthly income. $3,400 − $2,716 = $684 of surplus income. 50% of $684 = $342 a month. Because there is a surplus payment obligation, automatic discharge moves from 9 to 21 months, so the total would be about $342 × 21 = $7,182 if income stayed the same.
Limits. The tool does not apply the $200 threshold, the family situation adjustment or the averaging rules for irregular income. Your trustee recalculates surplus income from your monthly income and expense reports, and the amount changes as your income changes. Standards are updated every year.
Options, Costs and 2026 Rules
When a personal bankruptcy ends in Canada under BIA s. 168.1, how surplus income and a second bankruptcy extend it, and what happens if a creditor or the trustee opposes discharge.
Options, Costs and 2026 Rules
How surplus income works in a Canadian bankruptcy under OSB Directive 11R2-2026, the 2026 Superintendent's standards, the $200 threshold and how it extends the bankruptcy.
Calculations and Checklists
A worked surplus income calculation for a Canadian bankruptcy using 2026 OSB standards, with irregular self-employed income, a partner's earnings and support payments.
