Tools · Wage Garnishment
Tennessee Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Tennessee (25%), the pay that stays protected, and which rule sets the limit.
Tennessee 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 Tennessee 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 Tennessee 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
- Tennessee 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 Tennessee wage garnishment reference, cited to Tenn. Code §26-2-106; §26-2-107.
How wage garnishment works in Tennessee
On an ordinary consumer judgment a Tennessee creditor can take the lesser of 25% of your disposable pay or the amount by which your weekly disposable pay exceeds $217.50, and Tennessee adds a $2.50 weekly reduction for each dependent child under 16 who lives in the state.
Tennessee follows the federal 25% / 30-times ceiling but layers a small per-child reduction on top. Under Tenn. Code §26-2-107 the disposable earnings a creditor can reach are cut by $2.50 a week for each dependent child under 16 who lives in Tennessee, but only if you notify your employer of the children. The reduction is not automatic. If you never tell your employer, the garnishment runs on the plain federal formula as if you had no dependents.
This calculator shows the Tennessee 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 Tennessee wage garnishment reference, cited to Tenn. Code §26-2-106; §26-2-107.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.