What is the federal exemption floor protecting low-wage workers?

If weekly disposable earnings are $217.50 or less (30 times the $7.25 federal minimum wage), no consumer debt garnishment is permitted whatsoever.

What are the higher limits for child support and alimony garnishments?

Title III allows up to 50% of disposable earnings to be garnished if supporting another spouse or child, 60% if not supporting another family, plus an extra 5% if payments are over 12 weeks in arrears (up to 65% maximum).

USAUpdated for 2026legal

US Wage Garnishment Calculator (CCPA Disposable Earnings) 2026

Calculate statutory maximum wage garnishment withholding limits under federal Consumer Credit Protection Act (CCPA Title III) rules for consumer debt (25% or 30x minimum wage floor) versus child support orders (50% to 65%).

Salaries & Monthly Wages Legal & Corporate Compliance Court & Legal Filing Fees

Calculated Result

Maximum Legal Weekly Garnishment

235$/week

Calculator Inputs

Gross Weekly Wages

$/week

Quick select:

Mandatory Weekly Taxes (Federal, State, Local Tax + FICA)

$/week

Quick select:

Garnishment Type / Reason

Maximum Legal Weekly Garnishment

235$/week

Protected Net Take-Home Pay

705 $/week

Equivalent Monthly Garnishment

1,018.26 $/mo

Statutory Disposable Earnings

$940

Under CCPA Title III, ordinary consumer garnishment cannot exceed the lesser of: 25% of disposable earnings OR the amount by which weekly disposable earnings exceed 30 times the federal minimum wage ($217.50/wk).

Official Statute: Consumer Credit Protection Act (15 U.S.C. § 1673 - Restriction on Garnishment & Maximum Allowable Withholding Limits)Last Verified: 2026-09-04

Calculation Methodology

Disposable Earnings = Gross Wages - Mandatory Taxes (FICA, Federal & State Income Tax). For Consumer Debt: Garnishment = max(0, min(25% * Disposable Earnings, Disposable Earnings - $217.50)).

Frequently Asked Questions

Disposable earnings are the amount of employee earnings left after deducting taxes and amounts required by law (federal, state, and local income taxes, plus Social Security and Medicare FICA taxes).

Related Calculators

Recommended tools and calculators tailored to your current calculation

Explore all tools

USA

US Wage Garnishment Calculator (CCPA Disposable Earnings) 2026

Calculator Inputs

Calculation Methodology

Frequently Asked Questions

Related Calculators

US Workers' Compensation Disability Benefits Calculator (TTD) 2026

US Child Support Guidelines & Income Shares Calculator 2026

US Bankruptcy Chapter 7 Means Test Calculator (Form 122A-2) 2026

USCIS Immigration Filing Fees Calculator 2026

US Statutory Probate & Executor Fees Calculator 2026

Kuwait Child Support, Custody Housing & Alimony Calculator

Kuwait Court Lawsuit Filing & Judicial Appeal Fees Calculator

Solo 401(k) vs SEP IRA Contribution Limits Calculator 2026