Tools · Wage Garnishment
North Dakota Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in North Dakota (25%), the pay that stays protected, and which rule sets the limit.
North Dakota 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 garnishable amount drops by $20 a week for each dependent family member living with you, claimed by giving your employer a signed dependent list within 10 days of the summons.
The North Dakota 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 North Dakota 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
- North Dakota 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 North Dakota wage garnishment reference, cited to N.D.C.C. §32-09.1-03.
How wage garnishment works in North Dakota
A North Dakota creditor can take at most 25% of your disposable pay, but the protected floor is 40 times the federal minimum wage rather than 30 times, and the garnishable amount is further reduced by $20 a week for each dependent family member living with you.
North Dakota uses a 40 times federal minimum wage floor ($290 a week at $7.25) instead of the federal 30 times ($217.50), so more of a low earner's pay is protected. The $20-per-dependent reduction is not automatic. You must give your employer a signed, penalty-of-perjury list of the dependents living with you within 10 days of the summons, or the garnishment proceeds as if you have none until you provide the list.
This calculator shows the North Dakota 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 North Dakota wage garnishment reference, cited to N.D.C.C. §32-09.1-03.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.