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Tools · Wage Garnishment

Wage Garnishment Calculator by State

See the most a creditor could take from your paycheck, and the pay the law protects. Pick your state, enter your disposable earnings, and read the 2026 limit applied to your own numbers, with the state rule and the federal ceiling shown side by side.

All 50 states. Each limit is cited to that state's statute. 5 states bar garnishment for ordinary consumer debt outright, and the calculator shows them honestly instead of inventing a percentage.

Pick your state

No-garnishment states first, then the states that protect more than the federal rule, then the federal-limit states. Each calculator uses that state's own figures.

New Hampshire
Max on consumer debtNone
How it comparesNo consumer-debt garnishment
North Carolina
Max on consumer debtNone
How it comparesNo consumer-debt garnishment
Pennsylvania
Max on consumer debtNone
How it comparesNo consumer-debt garnishment
South Carolina
Max on consumer debtNone
How it comparesNo consumer-debt garnishment
Texas
Max on consumer debtNone
How it comparesNo consumer-debt garnishment
Alaska
Max on consumer debt25%
How it comparesMore protective than federal
Arizona
Max on consumer debt10%
How it comparesMore protective than federal
California
Max on consumer debt20%
How it comparesMore protective than federal
Colorado
Max on consumer debt20%
How it comparesMore protective than federal
Connecticut
Max on consumer debt25%
How it comparesMore protective than federal
Delaware
Max on consumer debt15%
How it comparesMore protective than federal
Florida
Max on consumer debt25%
How it comparesMore protective than federal
Hawaii
Max on consumer debtUp to 25%
How it comparesMore protective than federal
Illinois
Max on consumer debt15%
How it comparesMore protective than federal
Iowa
Max on consumer debt25% weekly, capped per year
How it comparesMore protective than federal
Maine
Max on consumer debt25%, with a high wage floor
How it comparesMore protective than federal
Maryland
Max on consumer debt25% (with a higher protected floor)
How it comparesMore protective than federal
Massachusetts
Max on consumer debt$750/week protected
How it comparesMore protective than federal
Minnesota
Max on consumer debtUp to 25% (10% or 15% for lower earners)
How it comparesMore protective than federal
Missouri
Max on consumer debt25% (10% head of family)
How it comparesMore protective than federal
Nebraska
Max on consumer debt25% (15% head of family)
How it comparesMore protective than federal
Nevada
Max on consumer debtUp to 25% (18% if you earn $770 or less a week)
How it comparesMore protective than federal
New Jersey
Max on consumer debt10%
How it comparesMore protective than federal
New Mexico
Max on consumer debt25%
How it comparesMore protective than federal
New York
Max on consumer debt10%
How it comparesMore protective than federal
North Dakota
Max on consumer debt25%
How it comparesMore protective than federal
Oregon
Max on consumer debt25%
How it comparesMore protective than federal
South Dakota
Max on consumer debt20%
How it comparesMore protective than federal
Vermont
Max on consumer debt15%
How it comparesMore protective than federal
Virginia
Max on consumer debt25%
How it comparesMore protective than federal
Washington
Max on consumer debt20%
How it comparesMore protective than federal
West Virginia
Max on consumer debt20%
How it comparesMore protective than federal
Wisconsin
Max on consumer debt20%
How it comparesMore protective than federal
Alabama
Max on consumer debt25%
How it comparesFollows the federal limit
Arkansas
Max on consumer debt25%
How it comparesFollows the federal limit
Georgia
Max on consumer debt25%
How it comparesFollows the federal limit
Idaho
Max on consumer debt25%
How it comparesFollows the federal limit
Indiana
Max on consumer debt25% (as little as 10% for good cause)
How it comparesFollows the federal limit
Kansas
Max on consumer debt25%
How it comparesFollows the federal limit
Kentucky
Max on consumer debt25%
How it comparesFollows the federal limit
Louisiana
Max on consumer debt25%
How it comparesFollows the federal limit
Michigan
Max on consumer debt25%
How it comparesFollows the federal limit
Mississippi
Max on consumer debt25%
How it comparesFollows the federal limit
Montana
Max on consumer debt25%
How it comparesFollows the federal limit
Ohio
Max on consumer debt25%
How it comparesFollows the federal limit
Oklahoma
Max on consumer debt25%
How it comparesFollows the federal limit
Rhode Island
Max on consumer debt25%
How it comparesFollows the federal limit
Tennessee
Max on consumer debt25%
How it comparesFollows the federal limit
Utah
Max on consumer debt25%
How it comparesFollows the federal limit
Wyoming
Max on consumer debt25%
How it comparesFollows the federal limit

How the wage garnishment calculator works

For an ordinary consumer debt (credit cards, medical bills, personal loans), federal law caps garnishment nationwide at the lesser of 25% of your disposable earnings or the amount by which your weekly disposable pay tops $217.50 (30 times the $7.25 federal minimum wage). A state may only protect more, never less. Each state calculator runs both numbers, the state formula and the federal ceiling, and shows you the smaller one, which is the one that governs.

The calculator states the limits and the math; it does not decide whether a garnishment you are facing is correct. Child support, spousal support, taxes, and defaulted federal student loans follow their own, higher limits, and many state exemptions must be claimed by a short deadline. This tool is informational only and not legal advice. Open your state for the full rule and the official citation, or see the wage garnishment reference by state.