Tools · Wage Garnishment
Arizona Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Arizona (10%), the pay that stays protected, and which rule sets the limit.
Arizona 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.
On these numbers, nothing is garnishable: your pay sits at or below the protected amount, so an ordinary consumer creditor could take $0.
These are the Arizona 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
- $0 per paycheck
- Disposable pay entered
- $800 weekly
- Arizona rule
- 10% cap: $0
- 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 Arizona wage garnishment reference, cited to A.R.S. §33-1131 (as amended by Proposition 209); A.R.S. §12-1598.10.
How wage garnishment works in Arizona
On an ordinary consumer judgment a creditor can take the lesser of 10% of your weekly disposable earnings or the amount by which those earnings rise above 60 times the highest applicable minimum wage, so at the 2026 state rate of $15.15 an hour the first $909 a week is fully protected.
Arizona uses one cap for ordinary consumer judgments and a separate rule for support. For child support or spousal maintenance the standard exemptions do not apply, and up to half of disposable earnings can be taken. Unpaid taxes and defaulted federal student loans also follow their own rules outside the 10% cap.
This calculator shows the Arizona 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 Arizona wage garnishment reference, cited to A.R.S. §33-1131 (as amended by Proposition 209); A.R.S. §12-1598.10.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.