Tools · Wage Garnishment
Utah Wage Garnishment Calculator (2026)
Enter your disposable pay to see the most a creditor could take in Utah (25%), the pay that stays protected, and which rule sets the limit.
Utah 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 Utah 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 Utah 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
- Utah 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 Utah wage garnishment reference, cited to Utah Code §70C-7-103.
How wage garnishment works in Utah
On a judgment arising from a consumer credit agreement, a Utah creditor can take the lesser of 25% of your disposable pay or the amount by which your weekly disposable pay exceeds $217.50, and the cap drops to 15% for a judgment on an education loan.
Utah Code §70C-7-103 sits in the Utah Consumer Credit Code and caps garnishment on a consumer credit judgment at the lesser of 25% of disposable earnings or the amount above 30 hours per week times the federal minimum wage, which is $217.50 at $7.25. A court may not make or enforce an order that violates this section. The mechanics of a writ of continuing garnishment are set by Utah Rules of Civil Procedure Rule 64D, which runs a wage garnishment for a set period after the writ is served.
This calculator shows the Utah 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 Utah wage garnishment reference, cited to Utah Code §70C-7-103.
Wage garnishment calculators for other states
Same tool, each with its own cap and protected floor.