§ Exemptions Calculator

State and Federal Exemptions
Gross Asset Total
$223,440.08
Net Equity to Exempt
$117,240.08
State Exemptions Illinois — 735 ILCS 5/12-901 et seq.
Total Automatically Exempted $111,640.08
Total Manually Exempted $0.00
Total Amount Exempted $111,640.08
Non-Exempt $5,600.00
Total Homestead Exempted $27,000.00
REAL ESTATE
🏠 1234 Oak Park Ave, Rockford IL 61101
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-901
Homestead exemption
 $50,000.00 [D] $27,000.00
Debtor's Equity $27,000.00
Exempted $27,000.00
Non Exempt $0.00
VEHICLES
🚗 2020 Toyota Camry LE
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(c)
Motor vehicle
 $3,600.00 [D] $7,200.00
Debtor's Equity $6,300.00
Exempted $7,200.00
Non Exempt $-900.00
🚗 2015 Honda Civic LX
Non Exempt: $6,500.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(c)
Motor vehicle
 $3,600.00 [D] $0.00
Debtor's Equity $6,500.00
Exempted $0.00
Non Exempt $6,500.00
🚗 2008 Ford F-150 - REPOSSESSED
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(c)
Motor vehicle
 $3,600.00 [D] $0.00
Debtor's Equity $0.00
Exempted $0.00
Non Exempt $0.00
HOUSEHOLD
💻 Household furniture, appliances
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(a)
All household goods and personal possessions
 100% $1,500.00
Debtor's Equity $1,500.00
Exempted $1,500.00
Non Exempt $0.00
💻 55-inch Samsung TV, laptop, gaming console
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(a)
All household goods and personal possessions
 100% $450.00
Debtor's Equity $450.00
Exempted $450.00
Non Exempt $0.00
💻 Clothing and shoes (family)
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(a)
All household goods and personal possessions
 100% $300.00
Debtor's Equity $300.00
Exempted $300.00
Non Exempt $0.00
💻 Wedding ring set, watch
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(a)
Jewelry (one piece)
 100% $800.00
Debtor's Equity $800.00
Exempted $800.00
Non Exempt $0.00
💻 Pets (2 dogs, 1 cat)
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(a)
All household goods and personal possessions
 100% $0.00
Debtor's Equity $0.00
Exempted $0.00
Non Exempt $0.00
FINANCIAL
💰 US Bank Checking (xx4523)
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(b)
Wildcard (additional personal property)
 $4,000.00 [D] $342.18
Debtor's Equity $342.18
Exempted $342.18
Non Exempt $0.00
💰 US Bank Savings (xx7891)
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(b)
Wildcard (additional personal property)
 $4,000.00 [D] $125.50
Debtor's Equity $125.50
Exempted $125.50
Non Exempt $0.00
💰 Cash App balance
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(b)
Wildcard (additional personal property)
 $4,000.00 [D] $22.40
Debtor's Equity $22.40
Exempted $22.40
Non Exempt $0.00
💰 Cash on hand
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(b)
Wildcard
 $4,000.00 [D] $50.00
Debtor's Equity $50.00
Exempted $50.00
Non Exempt $0.00
💰 Acme Manufacturing 401(k)
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1006
Retirement accounts
 100% $18,500.00
Debtor's Equity $18,500.00
Exempted $18,500.00
Non Exempt $0.00
💰 Mother's pension (SURS)
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1006
Retirement accounts
 100% $45,000.00
Debtor's Equity $45,000.00
Exempted $45,000.00
Non Exempt $0.00
💰 Roth IRA (Vanguard)
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1006
Retirement accounts
 100% $3,200.00
Debtor's Equity $3,200.00
Exempted $3,200.00
Non Exempt $0.00
OTHER
📦 Fishing equipment, golf clubs
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(b)
Wildcard
 $4,000.00 [D] $200.00
Debtor's Equity $200.00
Exempted $200.00
Non Exempt $0.00
📦 Hand tools, power drill
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(b)
Wildcard
 $4,000.00 [D] $150.00
Debtor's Equity $150.00
Exempted $150.00
Non Exempt $0.00
📦 Whole life insurance (State Farm) - cash value
Non Exempt: $0.00
Statute Limit Amount Applied
215 ILCS 5/238
Life insurance proceeds/cash value
 100% $2,100.00
Debtor's Equity $2,100.00
Exempted $2,100.00
Non Exempt $0.00
📦 Expected 2025 tax refund (Federal + State)
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(g-7)
Earned Income Credit
 100% $3,800.00
Debtor's Equity $3,800.00
Exempted $3,800.00
Non Exempt $0.00
📦 Security deposit on apartment (prior)
Non Exempt: $0.00
Statute Limit Amount Applied
735 ILCS 5/12-1001(b)
Wildcard
 $4,000.00 [D] $900.00
Debtor's Equity $900.00
Exempted $900.00
Non Exempt $0.00
§ 735 ILCS 5/12-901
Exemption Description
Homestead exemption
Asset Debtor's Equity Amount Applied
This exemption only		 Total Exempted
All exemptions		 Non Exempt
1234 Oak Park Ave, Rockford IL 61101 $27,000.00 $27,000.00 $27,000.00 $0.00
Exempted $27,000.00
Limit $50,000.00 [D]
Available Exemption $23,000.00
§ 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
2020 Toyota Camry LE $6,300.00 $7,200.00 $7,200.00 $-900.00
2015 Honda Civic LX $6,500.00 $0.00 $0.00 $6,500.00
2008 Ford F-150 - REPOSSESSED $0.00 $0.00 $0.00 $0.00
Exempted $7,200.00
Limit $3,600.00 [D]
Available Exemption $-3,600.00
§ 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
US Bank Checking (xx4523) $342.18 $342.18 $342.18 $0.00
US Bank Savings (xx7891) $125.50 $125.50 $125.50 $0.00
Cash App balance $22.40 $22.40 $22.40 $0.00
Cash on hand $50.00 $50.00 $50.00 $0.00
Fishing equipment, golf clubs $200.00 $200.00 $200.00 $0.00
Hand tools, power drill $150.00 $150.00 $150.00 $0.00
Security deposit on apartment (prior) $900.00 $900.00 $900.00 $0.00
Exempted $1,790.08
Limit $4,000.00 [D]
Available Exemption $2,209.92
§ 735 ILCS 5/12-1001(a)
Exemption Description
All household goods and personal possessions
Asset Debtor's Equity Amount Applied
This exemption only		 Total Exempted
All exemptions		 Non Exempt
Household furniture, appliances $1,500.00 $1,500.00 $1,500.00 $0.00
55-inch Samsung TV, laptop, gaming console $450.00 $450.00 $450.00 $0.00
Clothing and shoes (family) $300.00 $300.00 $300.00 $0.00
Wedding ring set, watch $800.00 $800.00 $800.00 $0.00
Pets (2 dogs, 1 cat) $0.00 $0.00 $0.00 $0.00
Exempted $3,050.00
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
Acme Manufacturing 401(k) $18,500.00 $18,500.00 $18,500.00 $0.00
Mother's pension (SURS) $45,000.00 $45,000.00 $45,000.00 $0.00
Roth IRA (Vanguard) $3,200.00 $3,200.00 $3,200.00 $0.00
Exempted $66,700.00
Limit 100%
§ 215 ILCS 5/238
Exemption Description
Life insurance proceeds/cash value
Asset Debtor's Equity Amount Applied
This exemption only		 Total Exempted
All exemptions		 Non Exempt
Whole life insurance (State Farm) - cash value $2,100.00 $2,100.00 $2,100.00 $0.00
Exempted $2,100.00
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
Expected 2025 tax refund (Federal + State) $3,800.00 $3,800.00 $3,800.00 $0.00
Exempted $3,800.00
Limit 100%

§ State Exemptions

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Exemption Calculator Settings
Illinois does not use Federal Exemptions
Joint Filing Options
Assets 21
Gross Value $223,440.08
Exempt $111,640.08
Non-Exempt $5,600.00