Minnesota Wage Garnishment Calculator
Minnesota uses income tiers: 10%, 15% or 25% depending on how your weekly pay compares with 40, 60 and 80 times the state minimum wage ($11.41 in 2026, $11.87 from January 1, 2027).
Three income tiers
(1) 25 percent of the debtor’s disposable earnings, if the debtor’s weekly income exceeds 80 times the greater of the hourly wage …; (2) 15 percent … if … exceeds 60 times, but is less than or equal to 80 times …; or (3) ten percent … if … exceeds 40 times, but is less than or equal to 60 times
How the tier changes the answer
A St. Paul worker netting $590.00 a week sits in Minnesota’s lowest tier (more than 40 but not more than 60 hours of the $11.41 minimum), so at most 10% — $59.00 — can be garnished. A coworker netting $1,010.00 is above 80 hours of minimum wage and faces the full 25%: $252.50.
Pay periods and the 2027 rate
- Nothing can be taken at or below 40 times the minimum wage ($456.40 a week in 2026; $474.80 in 2027).§1
- The tier is chosen by weekly income; we apply it to disposable earnings per week.§1
- For pay periods that are not whole weeks, each extra workday counts as a fraction of a week (workdays ÷ days in the normal workweek); the calculator uses the federal 2⅙ and 4⅓ week conversions.§1
- Minnesota’s 2027 minimum wage of $11.87 was announced by the Department of Labor and Industry and is applied automatically to pay dated January 1, 2027 or later.§2