Wage Garnishment 25% Federal Calculator 2027

Calculate wage garnishment 2027 — federal CCPA limits 25% of disposable income OR amount above 30× minimum wage. Different rules for child support, taxes, student loans.

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Federal CCPA Limits

Consumer debt: lesser of 25% disposable income OR amount above 30× federal min wage ($217.50/week). Cannot garnish under this floor regardless of debt size.

Child Support Higher Limits

Single child support order: 50% of disposable if supporting another spouse/child. 60% if not supporting another. 55%/65% if 12+ weeks in arrears. Federal law allows these higher caps.

IRS/Federal Tax Garnishment

IRS uses different formula. Leaves you with standard deduction + personal exemption per dependent (about $200/week single, more with dependents). Federal Student Loan: capped at 15% of disposable.

State Protections

Some states more protective: TX, NC, PA, SC don't allow consumer debt garnishment (except child support, tax, student loans). FL exempts head-of-household. NY caps 10% in some cases.

Source: Title III Consumer Credit Protection Act, dol.gov garnishment guidance. Last updated: May 2026.