Wage Garnishment Calculator
Calculate the maximum wage garnishment allowed under federal CCPA law.
Covers consumer debt, child support, student loans, and tax levies.
Garnishment Amount
What Is Wage Garnishment?
Wage garnishment is a legal process where a creditor obtains a court order directing your employer to withhold a portion of your paycheck to repay a debt.
Federal Protection — The CCPA
The Consumer Credit Protection Act (CCPA) limits how much can be garnished. It protects employees from excessive garnishment.
Disposable Income
The CCPA bases limits on disposable income — what’s left after mandatory deductions. Mandatory deductions include:
- Federal, state, and local income taxes
- Social Security (FICA) and Medicare taxes
- State unemployment insurance
- Required retirement contributions
For estimation, disposable income ≈ Gross Pay × 85% (accounting for typical tax withholding).
Federal CCPA Limits
| Garnishment Type | Maximum Per Week |
|---|---|
| Consumer debt (credit cards, medical) | Lesser of: 25% of disposable income, OR disposable income minus (30 × $7.25 minimum wage = $217.50) |
| Child support — no arrears, supporting another family | 50% of disposable income |
| Child support — no arrears, NOT supporting another family | 60% of disposable income |
| Child support — arrears (12+ weeks behind) | Add 5% to above (55% or 65%) |
| Federal student loans | 15% of disposable income |
| Federal tax levy (IRS) | Exempt amount based on dependents; remainder garnished |
Important Notes
- Many states have stricter limits than the federal CCPA — state law applies if it’s more protective.
- Some debts (child support, student loans, taxes) don’t require a court order.
- Social Security benefits are generally protected from most garnishments.
- Your employer cannot fire you for a single garnishment order.