Wage Garnishment Calculator

Federal wage garnishment estimate

Applies the federal floor under Title III of the Consumer Credit Protection Act. Many states set a stricter limit, and a handful bar ordinary wage garnishment for consumer debt entirely — this estimate is a ceiling, not a guarantee that this much can be taken in every state.

Pay frequencyDisposable earnings this pay period ($)Disposable earnings = pay left after legally required deductions (taxes, Social Security, Medicare) — not gross pay, and not after voluntary deductions like insurance or 401(k) contributions.

This is a general estimate for a single ordinary creditor garnishment, not for child support, federal student loans, or federal tax debt, which follow different rules with different (often higher) caps. Not legal advice — verify against your state's specific law and the wording of your own garnishment order.

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