Employment Law

Wage Garnishment Calculator

Calculate the maximum legal amount that can be garnished from your paycheck for debt based on federal CCPA guidelines.

Free to Use No Data Stored Updated April 2026

Wage Garnishment Calculator

Fill in the fields below to get your estimate

Gross pay minus mandatory taxes (Social Security, Medicare, Income Tax).
Child support and domestic obligations have much higher federal garnishment thresholds.

How Does Wage Garnishment Work?

Wage garnishment is a legal procedure where a portion of your earnings is withheld by your employer for the payment of a debt. Most garnishments require a court order, except for special debts like unpaid taxes, student loans, or child support.

Federal CCPA Protections

To ensure that individuals have enough money to live on, federal law limits how much can be taken from a paycheck. The maximum amount depends on your disposable income and the type of debt you owe.

  • Standard Debt (Credit cards, medical bills, personal loans): Capped at 25% of disposable income, or whatever exceeds $217.50 per week.
  • Child Support & Alimony: Capped at 50% to 65% depending on your family situation and arrearage status.
  • Student Loans: Limited to 15% of your disposable income under federal rules.
  • Unpaid Taxes: The IRS uses its own exemption tables based on the standard deduction and number of dependents; it often garnishes much more than the 25% standard limit.
State Laws May Offer More Protection

Some states (like Texas, Pennsylvania, North Carolina, and South Carolina) do not allow wage garnishment for standard consumer debts at all. In other states, the exemption amount is higher than the federal limit. This calculator uses the federal baseline.

Frequently Asked Questions

For garnishment purposes, "disposable income" is the amount left after legally required deductions (taxes, Social Security, Medicare) are taken out. Voluntary deductions like health insurance or 401(k) contributions are usually NOT deducted when calculating disposable income.

Under Title III of the Consumer Credit Protection Act (CCPA), garnishment for standard consumer debt is limited to the lesser of: 25% of your disposable earnings, OR the amount by which your disposable earnings exceed 30 times the federal minimum wage ($217.50 per week).

Yes. For child support or alimony, up to 50% of your disposable earnings can be garnished if you are supporting another spouse/child, or up to 60% if you are not. An additional 5% can be added if you are over 12 weeks in arrears.

Federal law protects you from being fired for a single garnishment. However, federal law does not protect you from discharge if your earnings have been subject to garnishment for a second or subsequent debts.