Tools · Wage Garnishment
Minnesota Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Minnesota (Up to 25% (10% or 15% for lower earners)), the pay that stays protected, and which rule sets the limit.
Minnesota 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 Minnesota rule is the smaller figure here, so it governs: it protects more of your pay than the federal ceiling would.
These are the Minnesota 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
- $120 per paycheck
- Disposable pay entered
- $800 weekly
- Minnesota rule
- 15% cap: $120
- 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 Minnesota wage garnishment reference, cited to Minn. Stat. §571.922 (with §571.912 exemption).
How wage garnishment works in Minnesota
A Minnesota creditor can take up to 25% of your disposable pay, but the cap drops to 15% or 10% at lower income levels, and any pay up to 40 times the minimum wage each week is fully protected.
Minnesota moved to an income-tiered garnishment schedule that took effect in 2025, so the percentage cap now depends on where your weekly income falls relative to 40, 60, and 80 times the minimum wage. The floor uses whichever minimum wage is greater, state or federal; Minnesota set a single statewide rate of $11.41 for 2026, so the state figure drives the $456.40 floor. Whichever calculation protects more money controls. The tiers and floor apply to ordinary consumer judgments, not to child support, which follows its own higher limits.
This calculator shows the Minnesota 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 Minnesota wage garnishment reference, cited to Minn. Stat. §571.922 (with §571.912 exemption).
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.