Wage Garnishment Calculator

How much of your paycheck can a judgment creditor actually take? Pick your state and enter your weekly take-home pay. Federal and state limits verified August 2026.

Your state Your weekly take-home ("disposable") pay — after taxes and required deductions

Federal rule: 15 U.S.C. §1673 (CCPA) — for ordinary consumer-debt judgments. Child support, taxes, and student loans use different (higher) limits.

Being garnished? Know these four things

A garnishment requires a judgment (except taxes, child support, federal student loans). If you were never served with a lawsuit, you may be able to reopen the case.
You can claim exemptions — every state has a form (often called a claim of exemption) and low-income debtors frequently get garnishments reduced or stopped.
Head-of-household exemptions in states like Florida and Missouri can protect most or all of your pay — but you usually must file to claim them.
If the debt is old, check whether it's even enforceable with our free statute-of-limitations checker.