More in Income
What this calculator does
Federal law allows up to 25% of disposable earnings to be garnished. This calculator shows what is left after the hit.
The math
Post-garnishment pay = gross paycheck × 0.75. Subtract rent, groceries, utilities, transport, and other expenses to find surplus or shortfall.
Worked example
A $2,000 paycheck drops to $1,500 after garnishment. If bills are $1,800, you face a $300 shortfall.
Why this matters
Your salary and your spendable income are not the same number. This calculator shows what you actually keep and what that means for your budget.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Can I stop garnishment?
Options include negotiating, claiming exemptions, or entering a payment plan.
Is 25% the max?
For most consumer debts, yes. Child support and tax debts can take more.