Tools · Wage Garnishment
Michigan Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Michigan (25%), the pay that stays protected, and which rule sets the limit.
Michigan 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 Michigan 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 Michigan 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
- Michigan 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 Michigan wage garnishment reference, cited to MCL 600.4012; Michigan Court Rule 3.101.
How wage garnishment works in Michigan
A creditor can take the lesser of 25% of your disposable earnings or the amount by which your weekly disposable pay exceeds $217.50, so the most that comes out is one-quarter of your take-home pay after required deductions.
Michigan keys the 30-times calculation to the $7.25 federal minimum wage, not the higher state minimum wage, so the protected floor stays at $217.50 a week even though Michigan raised its own minimum wage in 2025. Child support and alimony garnishments follow different, higher limits (up to 50% of disposable earnings, or 60% if you are not supporting other dependents at home) and are not capped at 25%.
This calculator shows the Michigan 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 Michigan wage garnishment reference, cited to MCL 600.4012; Michigan Court Rule 3.101.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.