Tools · Wage Garnishment
New Mexico Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in New Mexico (25%), the pay that stays protected, and which rule sets the limit.
New Mexico 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 New Mexico 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 New Mexico 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.
The figure above is the most the percentage caps allow. New Mexico also protects a set amount of pay outright, and this calculator cannot pin that floor to one dollar figure. The exempt amount is the greater of 75% of your disposable earnings or 40 times the highest applicable minimum hourly wage for the week. Because New Mexico uses 40 times the highest of the federal, state, or local minimum wage, that floor is usually well above the federal $217.50.
- Most a creditor could take
- Up to $200 per paycheck
- Disposable pay entered
- $800 weekly
- New Mexico 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 New Mexico wage garnishment reference, cited to N.M.S.A. §35-12-7.
How wage garnishment works in New Mexico
A New Mexico creditor can take up to 25% of your disposable pay on a consumer judgment, but the state protects the greater of 75% of your disposable earnings or 40 times the highest minimum wage that applies where you work, which is a larger floor than the federal rule.
For an ordinary consumer judgment, N.M.S.A. §35-12-7 exempts the greater of 75% of disposable earnings or 40 times the highest applicable minimum wage per week, so a creditor reaches at most 25% and often less. Child-support garnishment is different: the statute exempts only 50% of disposable earnings for support, allowing a larger share to be taken for that purpose.
This calculator shows the New Mexico 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 Mexico wage garnishment reference, cited to N.M.S.A. §35-12-7.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.