Paycheck Garnishment Calculator

Multi-state compliance engine • Title III CCPA (15 U.S.C. § 1673)

Statutory Wage Withholding Audit

Evaluates statutory taxes, protected wage floors, and multi-state caps

State Jurisdiction (Alphabetical) Standard 30× federal minimum wage floor applied.

Pay Frequency

Order / Garnishment Category

Creditor Cap %

Gross Earnings ($)

Federal Income Tax (FIT) ($)

State Tax (SIT) ($)

FICA & Medicare ($)

Local Tax (LIT) ($)

Voluntary Deductions Note: Deductions for 401(k), medical/dental insurance, HSA, or union dues are not subtracted to calculate Disposable Earnings under 15 U.S.C. § 1672.

Statutory Audit Breakdown VALIDATED COMPLIANT

Gross Earnings: $1,250.00

Mandatory Taxes: -$268.13

Disposable Earnings: $981.87

Statutory Floor: $217.50

Governing Cap Rate: 25.0%

Maximum Withholding Allowed

$245.47

Maximum legal deduction ceiling for this single paycheck.

Estimated Net Paycheck: $736.40

⚖️ Statutory Rule Explanation

How this garnishment calculator works

Choose a jurisdiction, pay frequency and order type, then enter gross pay and the legally required taxes. The calculator subtracts those taxes to find disposable earnings, applies the federal or state cap for the order type, and shows the maximum amount that may be withheld, the protected floor, and the rule it applied.

What it covers

Creditor / consumer judgments: the lesser of 25% (adjustable) of disposable earnings or the excess over 30× the minimum wage, scaled by pay frequency.
Child support: 50% or 60% of disposable earnings, rising by 5 points when arrears are more than 12 weeks old.
Federal student loans: administrative wage garnishment at 15% of disposable pay.
Federal tax levy: an illustrative demo only. Use IRS Publication 1494 for real levies.
State profiles for Arizona, California, Florida, Illinois, Minnesota, New York, North Carolina, Ohio, Pennsylvania, South Carolina and Texas.

Limits of the tool

The calculator handles one order at a time and uses simplified state profiles. It does not cover bankruptcy orders, hardship adjustments or conflicting orders. See federal limits by order type and how multiple garnishments are prioritized, and check legal updates for recent state changes. Results are for reference and are not legal advice.

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