§ Exemptions Calculator
State and Federal Exemptions
Gross Asset Total
$18,865.00
Net Equity to Exempt
$13,865.00
State Exemptions
Illinois — 735 ILCS 5/12-901 et seq.
| Total Automatically Exempted | $17,465.00 |
| Total Manually Exempted | $0.00 |
| Total Amount Exempted | $17,465.00 |
| Non-Exempt | $-3,600.00 |
| Total Homestead Exempted | $0.00 |
VEHICLES
🚗
Ford Mustang, 150,000 miles
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(c)
Motor vehicle
|
$3,600.00 [D] | $3,600.00 |
Debtor's Equity $0.00
Exempted $3,600.00
Non Exempt $-3,600.00
HOUSEHOLD
💻
1 Couch, 1 Queen bed, 1 Twin bed, 2 Dressers, 1 60in TV, 1 40in TV
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(a)
Jewelry (one piece)
|
100% | $540.00 |
Debtor's Equity $540.00
Exempted $540.00
Non Exempt $0.00
💻
Pants, Shoes, Shirts, Coats — general wardrobe
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(a)
Jewelry (one piece)
|
100% | $200.00 |
Debtor's Equity $200.00
Exempted $200.00
Non Exempt $0.00
FINANCIAL
💰
Chime Checking (Stride Bank, N.A.) acct ***7383
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(j)
735 ILCS 5/12-1001(j)
|
— | $100.00 |
Debtor's Equity $100.00
Exempted $100.00
Non Exempt $0.00
💰
Cash App Checking (Sutton Bank) acct ***7980
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(j)
735 ILCS 5/12-1001(j)
|
— | $300.00 |
Debtor's Equity $300.00
Exempted $300.00
Non Exempt $0.00
💰
UMB Checking acct ***2329
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(j)
735 ILCS 5/12-1001(j)
|
— | $0.00 |
Debtor's Equity $0.00
Exempted $0.00
Non Exempt $0.00
💰
UMB Savings acct ***6279
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(j)
735 ILCS 5/12-1001(j)
|
— | $0.00 |
Debtor's Equity $0.00
Exempted $0.00
Non Exempt $0.00
💰
Chime Savings (Stride Bank) — if separate from checking
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(j)
735 ILCS 5/12-1001(j)
|
— | $0.00 |
Debtor's Equity $0.00
Exempted $0.00
Non Exempt $0.00
💰
Cash App Savings (Sutton Bank) — if separate from checking
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(j)
735 ILCS 5/12-1001(j)
|
— | $0.00 |
Debtor's Equity $0.00
Exempted $0.00
Non Exempt $0.00
💰
401(k) through Northstar Medical
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1006
Retirement accounts
|
100% | $400.00 |
Debtor's Equity $400.00
Exempted $400.00
Non Exempt $0.00
OTHER
📦
Security deposit held by landlord at 513 Lincoln Ave
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(b)
Wildcard (additional personal property)
|
$4,000.00 [D] | $1,200.00 |
Debtor's Equity $1,200.00
Exempted $1,200.00
Non Exempt $0.00
📦
2025 Federal/State Tax Refund
Non Exempt: $0.00
| Statute | Limit | Amount Applied | |
|---|---|---|---|
|
735 ILCS 5/12-1001(g-7)
Earned Income Credit
|
100% | $11,125.00 |
Debtor's Equity $11,125.00
Exempted $11,125.00
Non Exempt $0.00
§ 735 ILCS 5/12-1001(c)
Exemption Description
Motor vehicle
| Asset | Debtor's Equity | Amount Applied This exemption only |
Total Exempted All exemptions |
Non Exempt |
|---|---|---|---|---|
| Ford Mustang, 150,000 miles | $0.00 | $3,600.00 | $3,600.00 | $-3,600.00 |
Exempted $3,600.00
Limit $3,600.00 [D]
Available Exemption $0.00
§ 735 ILCS 5/12-1001(j)
Exemption Description
735 ILCS 5/12-1001(j)
| Asset | Debtor's Equity | Amount Applied This exemption only |
Total Exempted All exemptions |
Non Exempt |
|---|---|---|---|---|
| Chime Checking (Stride Bank, N.A.) acct ***7383 | $100.00 | $100.00 | $100.00 | $0.00 |
| Cash App Checking (Sutton Bank) acct ***7980 | $300.00 | $300.00 | $300.00 | $0.00 |
| UMB Checking acct ***2329 | $0.00 | $0.00 | $0.00 | $0.00 |
| UMB Savings acct ***6279 | $0.00 | $0.00 | $0.00 | $0.00 |
| Chime Savings (Stride Bank) — if separate from checking | $0.00 | $0.00 | $0.00 | $0.00 |
| Cash App Savings (Sutton Bank) — if separate from checking | $0.00 | $0.00 | $0.00 | $0.00 |
Exempted $400.00
§ 735 ILCS 5/12-1001(b)
Exemption Description
Wildcard (additional personal property)
| Asset | Debtor's Equity | Amount Applied This exemption only |
Total Exempted All exemptions |
Non Exempt |
|---|---|---|---|---|
| Security deposit held by landlord at 513 Lincoln Ave | $1,200.00 | $1,200.00 | $1,200.00 | $0.00 |
Exempted $1,200.00
Limit $4,000.00 [D]
Available Exemption $2,800.00
§ 735 ILCS 5/12-1001(a)
Exemption Description
Jewelry (one piece)
| Asset | Debtor's Equity | Amount Applied This exemption only |
Total Exempted All exemptions |
Non Exempt |
|---|---|---|---|---|
| 1 Couch, 1 Queen bed, 1 Twin bed, 2 Dressers, 1 60in TV, 1 40in TV | $540.00 | $540.00 | $540.00 | $0.00 |
| Pants, Shoes, Shirts, Coats — general wardrobe | $200.00 | $200.00 | $200.00 | $0.00 |
Exempted $740.00
Limit 100%
§ 735 ILCS 5/12-1006
Exemption Description
Retirement accounts
| Asset | Debtor's Equity | Amount Applied This exemption only |
Total Exempted All exemptions |
Non Exempt |
|---|---|---|---|---|
| 401(k) through Northstar Medical | $400.00 | $400.00 | $400.00 | $0.00 |
Exempted $400.00
Limit 100%
§ 735 ILCS 5/12-1001(g-7)
Exemption Description
Earned Income Credit
| Asset | Debtor's Equity | Amount Applied This exemption only |
Total Exempted All exemptions |
Non Exempt |
|---|---|---|---|---|
| 2025 Federal/State Tax Refund | $11,125.00 | $11,125.00 | $11,125.00 | $0.00 |
Exempted $11,125.00
Limit 100%
Exemption Calculator Settings
Illinois does not use Federal Exemptions