A Chapter 13 Plan usually lasts between three and five years. If your income in the six months before filing was above average (“above median” for your household size), your plan will normally be five years. If your income in the six months before filing was below average (“below median” for your household size), your plan minimum length is three years, but you can extend as needed for up to five years. Of course, you can end a plan at any time if you have paid all of your creditors.