Tools · Wage Garnishment
Texas Wage Garnishment Calculator (2026)
Enter your pay to see the Texas rule applied: ordinary consumer debt cannot be garnished from wages here, and this page shows what still can reach a paycheck.
Texas 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.
This is the Texas rule for consumer judgments (credit cards, medical bills, personal loans), stated as information, not a promise that no money can ever be taken. See the exceptions below.
The wage protection is not total. Wages can still be garnished for court-ordered child support, court-ordered spousal maintenance, unpaid federal or state taxes, and defaulted federal student loans. Federal law lets those obligations reach a paycheck even in Texas.
The protection covers wages only while your employer holds them. Once your pay lands in a bank account it is no longer treated as current wages, and a creditor with a judgment can freeze and levy that account through a writ of garnishment.
- Garnishable for ordinary consumer debt
- $0 (not allowed)
- Disposable pay entered
- $800 weekly
- Still reachable
- Child support, spousal support, taxes, federal student loans
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 Texas wage garnishment reference, cited to Tex. Const. art. XVI, §28; Tex. Prop. Code §42.001(b).
How wage garnishment works in Texas
An ordinary creditor cannot garnish your wages in Texas at all: current wages for personal services are protected by the state constitution, and a consumer judgment reaches your paycheck for zero percent.
The protection covers wages only while your employer holds them. Once your pay lands in a bank account it is no longer treated as current wages, and a creditor with a judgment can freeze and levy that account through a writ of garnishment.
This calculator shows the Texas 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 Texas wage garnishment reference, cited to Tex. Const. art. XVI, §28; Tex. Prop. Code §42.001(b).
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.