Tools · Wage Garnishment
Oregon Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Oregon (25%), the pay that stays protected, and which rule sets the limit.
Oregon 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 Oregon 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 Oregon 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
- Oregon 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 Oregon wage garnishment reference, cited to ORS 18.385.
How wage garnishment works in Oregon
Oregon protects the greater of 75% of your disposable pay or a weekly dollar floor, which is $400 a week for wages paid on or after July 1, 2026, so a creditor can take at most 25% and often less.
Oregon protects the greater of 75% of disposable earnings or the weekly dollar floor, so the effective ceiling on a consumer garnishment is 25% but often less. The dollar floor is a moving target: it is $400 a week through June 30, 2027, then switches to 30 times the Oregon minimum wage and is adjusted annually by the State Court Administrator, so confirm the current figure for the exact pay date.
This calculator shows the Oregon 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 Oregon wage garnishment reference, cited to ORS 18.385.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.