Tools · Wage Garnishment
Missouri Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Missouri (25% (10% head of family)), the pay that stays protected, and which rule sets the limit.
Missouri 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 Missouri 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 Missouri 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
- Missouri 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 Missouri wage garnishment reference, cited to Mo. Rev. Stat. §525.030.
How wage garnishment works in Missouri
A Missouri creditor can take up to 25% of your disposable pay on an ordinary judgment, but if you are the head of a family and a Missouri resident, the cap drops to just 10% of your disposable pay.
The head-of-family exemption reduces the garnishment percentage but is not automatic in practice; you generally have to identify yourself as a resident head of family, and courts use a claim or affidavit process to apply the 10% rate. The 10% cap applies only when the debt is not for the support of another person. Everyone else, and every debtor on a support, tax, or bankruptcy garnishment, is subject to the standard 25% / 30x federal minimum wage limit.
This calculator shows the Missouri 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 Missouri wage garnishment reference, cited to Mo. Rev. Stat. §525.030.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.