Wage Garnishment Calculator
See the most that can be taken from a paycheck under federal law, and under your state’s law where we have verified it. Covers ordinary debts, child support, defaulted federal student loans and other federal debts. Free, and calculated in your browser.
Garnishment limit
- Disposable earnings
- $800.00
- Left after that amount
- $800.00
- Federal limit
- $200.00
- California limit
- $0.00
Federal rule (15 U.S.C. 1673(a)): the lesser of 25% of disposable earnings or the amount above $217.50 (30 times the $7.25 federal minimum wage, adjusted for your pay period).
California (Code of Civil Procedure 706.050): the lesser of 20% of disposable earnings or 40% of the amount above 48 times the minimum wage per week (96, 104 or 208 hours for longer pay periods). California also lets a debtor ask the court to keep more for family support (a hardship exemption), which this tool does not apply.
The federal 25% limit is a total for all ordinary garnishments together, not per creditor. Support orders and federal debts have their own priority rules.
The maximum under the rules cited on this page, from the figures you entered. An actual order can be for less, and exemptions you claim with the court can lower it. Not legal advice. Nothing you type is sent or stored.
The Federal Limit
Title III of the Consumer Credit Protection Act caps ordinary wage garnishment. Under 15 U.S.C. 1673(a), the amount taken in a workweek may not exceed the lesser of 25% of disposable earnings or the amount by which disposable earnings exceed 30 times the federal minimum wage. At $7.25 an hour, that protected floor is $217.50 a week.
Disposable earnings are what is left after deductions required by law. The Department of Labor’s Fact Sheet #30 lists federal, state and local taxes and the employee’s share of Social Security, Medicare and state unemployment insurance tax, and notes that voluntary deductions such as union dues or insurance premiums do not count. For longer pay periods it uses multiples of the weekly figure: $435 every two weeks, $471.25 twice a month and $942.50 a month (29 CFR 870.10).
Different limits apply to some debts. Support orders can take up to 50% of disposable earnings if the worker supports another spouse or child, or 60% if not, plus 5% more when the order collects support over 12 weeks overdue (15 U.S.C. 1673(b)). Defaulted federal student loans can be collected by administrative wage garnishment of up to 15% of disposable pay (20 U.S.C. 1095a), never more than the amount above 30 times the minimum wage (34 CFR 34.19); other federal agency debts follow a similar 15% rule (31 U.S.C. 3720D). Tax levies use their own exemption formula (26 U.S.C. 6334).
Federal law also bars an employer from firing someone because their wages were garnished for any one debt (15 U.S.C. 1674).
State Limits We Have Verified
A state law that allows less to be garnished controls (15 U.S.C. 1677). The calculator applies these state rules to ordinary court judgments. Each was read on the state legislature’s own website, except North Carolina’s, which we could not open directly and give as a caution rather than a computed figure:
| State | What the rule provides | Source |
|---|---|---|
| California | Lesser of 20% of disposable earnings or 40% of the amount above 48 times the minimum wage a week ($16.90 statewide in 2026; a higher local minimum wage is used where it applies). | CCP 706.050 |
| Florida | A head of family’s disposable earnings of $750 a week or less are exempt; above $750, exempt unless the person signed a separate written waiver. | Fla. Stat. 222.11 |
| Illinois | Lesser of 15% of gross pay for the week or the amount above 45 times the minimum wage ($15.00 in Illinois). | 735 ILCS 5/12-803 |
| New York | Nothing withheld unless weekly disposable earnings exceed 30 times the minimum wage; then no more than 10% of gross income, and no more than 25% of disposable earnings or the amount above that 30-times figure, whichever is less. Nothing may be taken in judgments from a medical debt action brought by a licensed hospital or health care professional. | CPLR 5231(b) |
| Pennsylvania | Wages are exempt from attachment except for divorce and support, board for four weeks or less, a residential landlord’s judgment (no more than 10% of net wages, or less to keep net income above the federal poverty guidelines), PHEAA student loans, and criminal restitution, costs, fines or bail. Ordinary consumer debt is not an exception. | 42 Pa.C.S. 8127 |
| Texas | Current wages for personal services are not subject to garnishment, except to enforce court-ordered child support or (under the Constitution) spousal maintenance. | Const. art. XVI, sec. 28; Property Code 42.001(b)(1) |
| South Carolina | A debtor’s earnings for personal services cannot be applied to a judgment, and consumer credit debts cannot be collected by garnishing earnings. | S.C. Code 15-39-410, 15-39-420(2); 37-5-104 |
| North Carolina (caution) | Earnings from the 60 days before the court’s order cannot be applied when shown to be needed for a family supported by the debtor’s work. The court decides, so the tool shows the federal ceiling only as an upper bound. | G.S. 1-362 |
For every other state the calculator labels the figure as the federal maximum only, which the state may bar or reduce. That is not a finding that the state adds nothing: many states have their own exemptions, and our debt collection laws by state guide covers them state by state.
Worked Example
A worker paid weekly earns $1,000 gross with $200 of required deductions, so disposable earnings are $800. Under the federal rule the most is $200 (25%, less than the $582.50 above the $217.50 floor). In Illinois it is $125 (the amount above 45 x $15.00 = $675, which is less than 15% of gross). In New York outside the New York City area it is $100 (10% of gross). In California it is $0, because $800 is below 48 x $16.90 = $811.20.
What This Calculator Does Not Do
- Show what a particular order will take. It shows the legal maximum. An order can be for less, and exemptions you claim with the court can lower it further.
- Combine several garnishments. The federal 25% limit is a total for ordinary garnishments together, and support orders and federal debts have priority rules.
- Compute tax levies. The IRS exemption depends on filing status and dependents.
- State hardship claims and bank-account rules. For example, California’s hardship exemption and Florida’s protection of wages once deposited in a bank are not modelled.
- States we have not verified. Only the seven states above with a computed rule have one applied; elsewhere the figure is the federal maximum, labelled as such.
Frequently Asked Questions
How much of my paycheck can be garnished?
For ordinary debts under federal law, the lesser of 25% of disposable earnings or the amount above 30 times the federal minimum wage ($217.50 a week). If your state allows less to be taken, the state limit controls.
What are disposable earnings?
Earnings left after deductions required by law, such as income taxes, Social Security, Medicare and state unemployment insurance tax. Voluntary deductions like union dues or insurance premiums are not subtracted.
How much can be taken for child support?
Up to 50% of disposable earnings if you support another spouse or child, or 60% if you do not, plus 5% if the order collects support more than 12 weeks overdue. The support order sets the actual amount.
Can my federal student loans be taken from my wages?
For defaulted federal student loans, the Department of Education can use administrative wage garnishment of up to 15% of disposable pay, but never more than the amount above 30 times the minimum wage.
Can I be fired for a wage garnishment?
Federal law prohibits firing an employee because their earnings were garnished for any one debt. Federal law leaves states free to give more protection.
Is what I enter saved?
No. The calculation runs in your browser. Nothing you type is sent to us or stored.
Sources
- 15 U.S.C. 1672, Definitions
- 15 U.S.C. 1673, Restriction on garnishment
- 15 U.S.C. 1674, Restriction on discharge
- 15 U.S.C. 1677, Effect on State laws
- U.S. Department of Labor, Fact Sheet #30 (CCPA Title III)
- 29 CFR 870.10, Maximum part of aggregate disposable earnings subject to garnishment
- 20 U.S.C. 1095a, Wage garnishment requirement (student loans)
- 34 CFR 34.19, Amount of garnishment
- 31 U.S.C. 3720D, Garnishment (federal nontax debt)
- 31 CFR 285.11, Administrative wage garnishment
- 26 U.S.C. 6334, Property exempt from levy
- California Code of Civil Procedure 706.050
- California Labor Commissioner, Minimum Wage FAQ
- Florida Statutes 222.11
- Illinois 735 ILCS 5/12-803
- Illinois Department of Labor, Minimum Wage Law
- New York CPLR 5231
- New York State Department of Labor, Minimum Wage
- Pennsylvania 42 Pa.C.S. 8127
- Texas Constitution art. XVI, sec. 28
- Texas Property Code 42.001
- South Carolina Code 15-39-410
- South Carolina Code 37-5-104
Rules and minimum wages checked against the sources above on September 28, 2026. To challenge a garnishment, see how to stop wage garnishment. General information, not legal advice; RecordingLaw.com is not a government body.
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