Arizona Wage Garnishment Calculator
Since Proposition 209 (2022), Arizona caps ordinary garnishment at 10% of disposable earnings and protects 60 times the highest applicable minimum wage — $909 a week at the 2026 state rate of $15.15.
Proposition 209’s 10% ceiling
the maximum part of the disposable earnings of a debtor for any workweek that is subject to process may not exceed ten percent of disposable earnings for that week or the amount by which disposable earnings for that week exceed sixty times the applicable minimum hourly wage … whichever is less. The applicable minimum hourly wage is the minimum wage required by federal, state or local law, whichever is highest.
A Phoenix two-week check
Voters cut Arizona’s ceiling from 25% to 10% in 2022 and raised the protected floor to 60 hours of the highest applicable minimum wage. A Phoenix worker grossing $2,600.00 every two weeks with $410.00 withheld has $2,190.00 disposable; the floor for two weeks is $1,818.00, so the creditor receives $219.00, compared with $547.50 under the federal rule alone.
How a continuing lien starts and stops
- The floor uses the highest of the federal, Arizona or local minimum wage, so a worker in a city with its own higher minimum wage keeps more. Enter your local rate if one applies.§1
- A continuing lien ends if you leave the employer for more than 60 days, if the judgment is paid or vacated, or if you earn nothing non-exempt for 60 days.§2
- If no continuing-lien order is entered within 45 days after the employer’s answer, money held must be released to you.§2
- You can ask the court to reduce the garnishment for extreme economic hardship; the online text of § 12-1598.10(F) still shows pre-2022 percentages, so ask the court which reduction it applies.§2
- For support orders Arizona exempts one-half of disposable earnings — lower than the federal 60% ceiling.§1