Tools · Wage Garnishment
New York Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in New York (10%), the pay that stays protected, and which rule sets the limit.
New York 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 York rule is the smaller figure here, so it governs: it protects more of your pay than the federal ceiling would.
These are the New York 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
- $80 per paycheck
- Disposable pay entered
- $800 weekly
- New York rule
- 10% cap: $80
- 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 York wage garnishment reference, cited to N.Y. C.P.L.R. §5231 (income execution); §5205(d).
How wage garnishment works in New York
On an ordinary consumer judgment, an income execution in New York takes the lesser of 10% of your gross pay or 25% of your disposable earnings, so the practical cap for most people is 10% of gross, well below the federal 25%.
The 10%-of-gross figure is what makes New York more protective than the federal rule. A creditor computes both the 10% of your gross income and the 25% of your disposable earnings, then can take only the smaller of the two, and nothing at all in a week your disposable pay falls under 30 times the applicable minimum wage. Because the minimum wage differs by region, the fully protected floor is higher downstate than upstate.
This calculator shows the New York 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 York wage garnishment reference, cited to N.Y. C.P.L.R. §5231 (income execution); §5205(d).
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.