Tools · Wage Garnishment
Ohio Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Ohio (25%), the pay that stays protected, and which rule sets the limit.
Ohio 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 Ohio 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 Ohio 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
- Ohio 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 Ohio wage garnishment reference, cited to Ohio Rev. Code §2716.03 (garnishment of personal earnings); §2329.66 (exemptions); §2716.02 (demand notice).
How wage garnishment works in Ohio
A creditor with an ordinary money judgment can take up to 25% of your disposable pay, but never so much that you are left with less than $217.50 in a week.
Ohio does not go below the federal rule. Before a creditor can garnish, Ohio Rev. Code §2716.02 requires it to send you a written demand at least 15 days (and not more than 45 days) before asking the court for a garnishment order. That notice, often called the "15-day letter," has to offer you the chance to pay or to set up a payment arrangement or trusteeship first. Support orders, taxes, and defaulted federal student loans follow their own federal rules and can reach more than 25%.
This calculator shows the Ohio 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 Ohio wage garnishment reference, cited to Ohio Rev. Code §2716.03 (garnishment of personal earnings); §2329.66 (exemptions); §2716.02 (demand notice).
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.