Tools · Wage Garnishment
Alabama Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Alabama (25%), the pay that stays protected, and which rule sets the limit.
Alabama wage garnishment calculator
Disposable earnings is your pay after legally required deductions: federal and state taxes, Social Security, and Medicare. It is close to your take-home pay, before voluntary deductions like a 401(k) or health premiums.
The Alabama rule and the federal ceiling land on the same figure here, so either way this is the most a creditor could take.
These are the Alabama figures applied to what you entered: a plain summary of the limits, not a determination that any garnishment is correct or incorrect. Court orders set the actual withholding.
- Most a creditor could take
- $200 per paycheck
- Disposable pay entered
- $800 weekly
- Alabama rule
- 25% cap: $200
- Federal ceiling
- 25% / $217.50 floor: $200
Plain-language summary, not legal advice.
Informational only, not legal advice. Garnishment limits carry exceptions this summary cannot weigh (support orders, taxes, student loans, existing court orders), and exemptions often must be claimed by a deadline. See the full rules, the exemption steps, and the citations on the Alabama wage garnishment reference, cited to Code of Ala. §5-19-15; see also §6-10-7.
How wage garnishment works in Alabama
On an ordinary consumer judgment, an Alabama creditor can take the lesser of 25% of your disposable pay or the amount by which your weekly disposable pay exceeds $217.50, so the first $217.50 of weekly take-home is always protected.
The 25% cap in §5-19-15 tracks the federal ceiling for consumer credit transactions. "Disposable earnings" under the statute is what is left after legally required deductions, and it does not include pension, retirement, or disability payments. To protect exempt funds you file a claim of exemption with the court. A separate homestead and personal-property exemption can shield assets beyond wages.
This calculator shows the Alabama figures applied to your own pay. It is informational only and not legal advice: support orders, taxes, and student loans follow their own rules, and exemptions often must be claimed by a short deadline. For the full rule, the exemption steps, and the citations, see the Alabama wage garnishment reference, cited to Code of Ala. §5-19-15; see also §6-10-7.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.