I am not going to promise you that you are going to be able to follow this, but the folks at Nolo have released a free on-line means test program. I find this calculator more complex than the means test calculator built in to BestCase – the petition preparation program that I use. The BestCase program draws data from other fields that you fill out anyway – like mortgages and car payments, whereas the Nolo program is a stand alone and requires manual data entry.
If you are computer savvy I would almost suggest that you download the BestCase trial version (full featured except that it prints “demo” on the output) instead of the Nolo version. I supect that the folks at Nolo assume that most prospective debtors will get frustrated and call one of the lawyers who buy advertising space at the Nolo site!
In any case, here are links to both the Nolo calculator and to the BestCase download: