Should I estimate my income if I haven't filed taxes yet?

3,334 families filed bankruptcy using Upsolve.

Written by Jonathan Petts, Esq.  
Updated May 16, 2019

A nonprofit web app that helps you file bankruptcy for free.
  • We've helped over 2,000 families each clear on average $52,540 of debt.
  • Our users often file within 10 days of starting.
  • Our award winning nonprofit's help is 100% free.

If you do not have official documents, it is OK to estimate your gross income. If you do not feel comfortable estimating you can:

  1. Look at your most recent pay statement and use it to find your gross (before taxes) income year to date. If you were only paid for part of the year, you can calculate your average monthly income for the year by diving the total amount you have been paid by 12.

  2. Call or contact your employer's HR department or payroll manager and ask for the total gross income for the year. It is fine if you get this information over the phone - you will not need to provide documentation.

If your job doesn't provide you with pay statements, or if you get paid in cash, you still need to state your estimated annual and monthly income on your bankruptcy forms. You can estimate these amounts using your bank statements, app ledgers (for jobs like Lyft, Uber, or MTurk), or from memory.

It's easy to get help

Choose one of the options below to get assistance with your bankruptcy:
Page 1Created with Sketch.

Free Web App

Take our bankruptcy screener to see if you're a fit for Upsolve's free web app!

3,334 families filed with Upsolve ☆

Private Attorney

Get a free bankruptcy evaluation from an independent local law firm.

Questions about bankruptcy?

Research and understand your options with our articles and guides.

Go to Learning Center →

Questions about Upsolve?

Read Support Articles →

Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.


Considering Bankruptcy?

Are you interested in our free bankruptcy services, talking to someone about alternatives to bankruptcy, or a free consultation with a paid attorney?

Need bankruptcy help?