Our Mission
About Us
Empowering workers with transparent, accurate, and free tools to understand wage garnishment limits in all 50 states.
Helping You Navigate Complex Laws
Wage garnishment can be a stressful and overwhelming experience. Navigating the intersection of federal statutes and complex state-specific exemptions makes it incredibly difficult for individuals to know their rights and verify if their paychecks are being calculated correctly.
Our mission is to build and maintain a simple, transparent, and completely free calculator that implements 2026 rules for all 50 states. We believe that everyone should have access to clear, understandable financial information without having to pay for legal software or undergo forced logins.
How Our Calculator Works
Our system calculates estimated wage garnishment based on two primary layers of regulations:
Federal Protection (CCPA)
Title III of the Consumer Credit Protection Act (CCPA) sets the baseline floor. It limits garnishment to 25% of disposable income, or the amount by which weekly disposable income exceeds 30 times the federal minimum wage ($7.25/hr), whichever is less.
State-Specific Exemptions
Many states offer protections that are significantly more generous than federal law—such as protecting 75% of income, higher multipliers of state minimum wage, or a complete ban on consumer debt garnishments (like in Texas, Pennsylvania, and North Carolina). Our calculator automatically applies the most protective regulations based on your state.
Why Trust Us?
- ✓Verified 2026 Data
Updated to reflect the latest state minimum wage changes.
- ✓100% Free
No hidden fees, no subscriptions, and no email sign-ups required.
- ✓Privacy-First
We do not store your financial details, salary numbers, or personal information.
Need Legal Assistance?
While our calculator provides accurate estimates, it is for educational purposes only. If you are experiencing aggressive collections, you may benefit from speaking with a professional.
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