Wage Garnishment Calculator

The one your state's statute names, and the calculator says which that is once you pick a state. Some key to the federal minimum (still $7.25 an hour since 2009), some to the state minimum, and Massachusetts to whichever is greater. The statutes state a multiple of an hourly wage rather than a dollar figure, which is exactly why the dollar tables published elsewhere go out of date every January.

Most of these statutes say disposable earnings, which means gross pay less the deductions the law requires — tax, Social Security, Medicare. It does not mean pay after your rent, your car loan or your health insurance. Massachusetts is the exception in this dataset and caps a share of gross wages instead; the calculator uses whichever base its statute states.

No. It is arithmetic on the words of a statute, and every figure it uses is shown with the line of the statute that states it, so you can check it. Child support, alimony, federal student loans and unpaid tax are governed by different rules that are not in this dataset.

Either its statute was not readable from an official source on the day this was built — a number taken from a law-firm summary is not a number we will publish — or its statute states no weekly figure for this calculator to work on. Iowa is the second kind: it adopts the federal weekly limit by reference and sets its own ceiling on what one creditor may take across a whole calendar year, banded by expected annual earnings. Those figures are in the dataset even though there is no week's-pay sum to do. The dataset page lists every jurisdiction covered.