Tools · Wage Garnishment
Kentucky Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Kentucky (25%), the pay that stays protected, and which rule sets the limit.
Kentucky 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 Kentucky 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 Kentucky 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
- Kentucky 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 Kentucky wage garnishment reference, cited to KRS 427.010; definitions at KRS 427.005.
How wage garnishment works in Kentucky
On an ordinary consumer judgment a Kentucky 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.
Kentucky follows the federal ceiling for ordinary consumer debt: the lesser of 25% of disposable pay or the amount above $217.50 a week. The wage-garnishment limit sits in KRS 427.010, with the definitions of "earnings" and "disposable earnings" in KRS 427.005 and the garnishment procedure in KRS 425.501 through 425.506. Kentucky does not add a head-of-household exemption that lowers the percentage for ordinary debts. Support orders and tax debts are the main exceptions and can reach a larger share of your pay.
This calculator shows the Kentucky 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 Kentucky wage garnishment reference, cited to KRS 427.010; definitions at KRS 427.005.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.