EXCLUSIVE

Michael Vick has blown through nearly $30 million since filing for bankruptcy in 2008 -- nearly 95% of his total income -- TMZ has learned.

According to legal docs filed in his bankruptcy case, Vick made $31 million since he went belly up -- that includes his Eagles salary and various endorsements and other business ventures.

The math is pretty simple -- Vick had to pay a total of $29.6 mil -- of that, $10.9 went to taxes, $9.2 mil went to creditors, $2.7 went to lawyers and accountants, and the rest is for various things, including child support and living expenses.

All tolled, Vick is now left with around $1.5 mil.  That's nothing to sneeze at, but considering what he made it's pretty shocking.

Things are looking up for the NFLer. Vick signed a 6 year, $100 million contract in 2011 ... with almost $40 mil in guaranteed money, so he won't be poor -- in rich terms -- for much longer.