Tools · Wage Garnishment
New Hampshire Wage Garnishment Calculator (2026)
Enter your pay to see the New Hampshire rule applied: ordinary consumer debt cannot be garnished from wages here, and this page shows what still can reach a paycheck.
New Hampshire 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.
This is the New Hampshire rule for consumer judgments (credit cards, medical bills, personal loans), stated as information, not a promise that no money can ever be taken. See the exceptions below.
The near-total wage protection is for ordinary creditors only. Wages can still be reached for court-ordered child support and alimony, unpaid federal or state taxes, and defaulted federal student loans, all of which follow their own federal rules. And once your pay lands in a bank account it is no longer treated as wages, so a creditor with a judgment can try to freeze and levy that account.
New Hampshire keeps a wage-attachment procedure in RSA 512 on the books, but it works nothing like a 25% garnishment. Because wages earned after the writ is served are fully exempt, an attachment can only reach a snapshot of wages already earned before service, not future paychecks, so there is no continuing garnishment for consumer debt. Practitioners report the process is seldom used because of its cost, the case-by-case court approval it requires, and these limits. Treat New Hampshire as functionally barring ordinary wage garnishment while confirming your own situation.
- Garnishable for ordinary consumer debt
- $0 (not allowed)
- Disposable pay entered
- $800 weekly
- Still reachable
- Child support, spousal support, taxes, federal student loans
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 New Hampshire wage garnishment reference, cited to RSA 512:21.
How wage garnishment works in New Hampshire
For practical purposes an ordinary creditor cannot garnish your wages in New Hampshire: RSA 512:21 fully exempts wages you earn after the writ is served, so there is no ongoing wage garnishment for consumer debt, and the tool is rarely used.
New Hampshire keeps a wage-attachment procedure in RSA 512 on the books, but it works nothing like a 25% garnishment. Because wages earned after the writ is served are fully exempt, an attachment can only reach a snapshot of wages already earned before service, not future paychecks, so there is no continuing garnishment for consumer debt. Practitioners report the process is seldom used because of its cost, the case-by-case court approval it requires, and these limits. Treat New Hampshire as functionally barring ordinary wage garnishment while confirming your own situation.
This calculator shows the New Hampshire 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 New Hampshire wage garnishment reference, cited to RSA 512:21.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.