Tools · Wage Garnishment
Montana Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Montana (25%), the pay that stays protected, and which rule sets the limit.
Montana 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 Montana 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 Montana 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
- Montana 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 Montana wage garnishment reference, cited to Mont. Code Ann. §25-13-614.
How wage garnishment works in Montana
On an ordinary consumer judgment, a Montana 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.
Montana follows the federal ceiling by statute rather than adding a lower percentage or a larger formula. Section 25-13-614 caps an ordinary judgment garnishment at the lesser of 25% of disposable earnings or the amount above 30 times the federal minimum wage, and it adopts the federal meanings of earnings, disposable earnings, and garnishment. The percentage cap does not apply to court orders for child or spousal support, which follow their own higher limits.
This calculator shows the Montana 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 Montana wage garnishment reference, cited to Mont. Code Ann. §25-13-614.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.