Each client has different circumstances.  However, as a rough estimate you can figure out what your payments might be under your plan.  Take all secured debt payments, add any interest, fees and penalties that may apply to those loans, all catch up payments, if any, figure out all your household expenses and reduce those by IRS allowances (you don’t get to take all your expenses in full), what remains is disposable income.  We then add up all your unsecured debt and figure out what percentage they will get paid over the course of your plan (usually only a fraction of what is owed – between 1 and 10 % or so of the debt gets paid back), then add 10% for trustee administration fees.  If you have prepaid your legal fees, no other calculation is necessary, however, if you can not afford to do that, part of the fees can be added to your plan making it easier to file for bankruptcy.  There is also a $50 dollar a month maintenance charge so you don’t have to worry about paying for amendments to your plan or changes to your petition – its now all included in your plan.