Wage Garnishment Calculator
You may use this Wage Garnishment Calculator each pay period to calculate the wage garnishment amount to be withheld from the debtor's disposable pay.
So all you need to do is:
- Select the pay period frequency from the drop-down list and then enter the gross earnings before any deductions.
- Enter all allowable deductions, such as federal income tax , state taxes, city and local taxes, social security and medicare taxes, health insurance, disability, etc.
Once you have inputted these details, press on the 'Calculate' button and the results will appear below.
The maximum weekly garnishment is calculated as the lesser of:
- a.) The amount by which disposable earnings exceed 30 times the federal minimum hourly wage (currently $7.25 an hour), or
- b.) 25 percent of disposable earnings (after federal, state, and local taxes and retirement contributions).
Note: A wage garnishment for defaulted student loans is limited to 15% of disposable earnings.
The federal minimum hourly wage is currently $7.25 an hour. If you make $500 per week after all taxes and allowable deductions, 25% of your disposable earnings is $125 ($500 × .25 = $125). The amount by which your disposable earnings exceed 30 times $7.25 is $282.50 ($500 − 30 × $7.25 = $282.50). The maximum amount that can be garnished from your weekly paycheck is $125, since the lesser amount prevails.