Tools · Wage Garnishment
Arkansas Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Arkansas (25%), the pay that stays protected, and which rule sets the limit.
Arkansas 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 Arkansas 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 Arkansas 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
- Arkansas 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 Arkansas wage garnishment reference, cited to Ark. Code §16-66-208; 15 U.S.C. §1673 (CCPA).
How wage garnishment works in Arkansas
On an ordinary consumer judgment, an Arkansas creditor can take the lesser of 25% of your disposable pay or the amount by which your weekly disposable pay exceeds $217.50, and laborers and mechanics get an extra automatic $25-per-week floor plus a 60-day exemption they can claim.
For ordinary consumer judgments Arkansas applies the federal ceiling: the lesser of 25% of disposable pay or the amount above $217.50 a week. The extra laborer-and-mechanic protections in §16-66-208 (the automatic $25 weekly floor and the claimable 60-day exemption) sit on top of that but are tied to the low constitutional personal-property limits, so their practical effect is narrow. If a claim of exemption is sustained, those wages cannot be garnished again for 60 days.
This calculator shows the Arkansas 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 Arkansas wage garnishment reference, cited to Ark. Code §16-66-208; 15 U.S.C. §1673 (CCPA).
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.