Tools · Wage Garnishment
Georgia Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Georgia (25%), the pay that stays protected, and which rule sets the limit.
Georgia 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 Georgia 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 Georgia 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
- Georgia 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 Georgia wage garnishment reference, cited to O.C.G.A. §18-4-5.
How wage garnishment works in Georgia
On an ordinary consumer judgment, a Georgia 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.
Georgia rewrote its entire garnishment law in 2016 after a federal court, in Strickland v. Alexander (N.D. Ga. 2015), held the old statute unconstitutional for failing to tell debtors about their exemptions and how to claim them. The limit that used to sit in former O.C.G.A. §18-4-20 now lives in O.C.G.A. §18-4-5. A continuing wage garnishment now runs for 1,095 days (about three years), extended from the old 179-day period by Senate Bill 443, effective January 1, 2021. To fight a garnishment you file a traverse or a claim of exemption with the court.
This calculator shows the Georgia 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 Georgia wage garnishment reference, cited to O.C.G.A. §18-4-5.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.