Illinois Wage Garnishment Calculator
Illinois caps a wage deduction at 15% of gross pay and protects 45 times the $15 state minimum wage — $675 a week of disposable earnings.
Fifteen percent of gross, 45 hours protected
The wages, salary, commissions and bonuses subject to collection under a deduction order, for any work week shall be the lesser of (1) 15% of such gross amount paid for that week or (2) the amount by which disposable earnings for a week exceed 45 times the Federal Minimum Hourly Wage … or … the minimum hourly wage prescribed by Section 4 of the Minimum Wage Law, whichever is greater
A Springfield wage deduction order
Illinois mixes a gross-pay percentage with a disposable-pay floor. Every two weeks, 90 hours at $15 — $1,350.00 — is protected. A Springfield worker grossing $2,050.00 with $300.00 withheld has $1,750.00 disposable, so the deduction order is the smaller of 15% of gross ($307.50) and the $400.00 above the floor: $307.50.
Where the Illinois limit applies
- The 15% is measured on gross pay, not take-home, but nothing required by law to be withheld may be taken from the amount the creditor collects.§1
- The statute says this limit applies regardless of where the pay was earned or where the employee lives.§1
- The 45-times floor uses the Illinois minimum wage ($15.00 per the DOL table) because it is higher than the federal rate.§2