Sources

Federal law and agency tables (11)

1. 15 U.S.C. § 1673 — Restriction on garnishment (Consumer Credit Protection Act, Title III). U.S. Government Publishing Office (U.S. Code, 2023 ed.). Current through 2023 edition; last amended 1978. Supplies: 25% / 30 × federal minimum wage limit; 50/60% (+5%) support limits.
2. 15 U.S.C. § 1672 — Definitions (earnings, disposable earnings). U.S. Government Publishing Office. 2023 edition. Supplies: Definition of disposable earnings.
3. 29 CFR 870.10 — Maximum part of aggregate disposable earnings subject to garnishment. eCFR (National Archives). eCFR current as of 2026-10-05. Supplies: Pay periods longer than a week: weeks × 30 × minimum wage; a month = 4⅓ workweeks.
4. Fact Sheet #30: The Federal Wage Garnishment Law, Consumer Credit Protection Act’s Title III. U.S. Department of Labor, Wage and Hour Division. Revised December 2024. Supplies: Weekly/biweekly/semimonthly/monthly dollar thresholds; support + ordinary garnishment interaction.
5. 29 U.S.C. § 206 — Minimum wage. U.S. Government Publishing Office. $7.25 since July 24, 2009. Supplies: Federal minimum wage $7.25.
6. 20 U.S.C. § 1095a — Wage garnishment requirement (student loans). U.S. Government Publishing Office. Most recent edition; 15% since Pub. L. 109–171 (2006). Supplies: 15% of disposable pay cap for guaranty-agency garnishment.
7. 31 U.S.C. § 3720D — Garnishment (administrative wage garnishment for federal debts). U.S. Government Publishing Office. 2023 edition. Supplies: 15% of disposable pay cap; 30-day notice.
8. 34 CFR Part 34 — Administrative Wage Garnishment (U.S. Department of Education). eCFR (National Archives). eCFR current as of 2026-10-05. Supplies: Disposable pay includes deduction of health insurance premiums (§ 34.3); 30 × minimum wage floor (§ 34.19); 25% total with prior orders (§ 34.20).
9. Publication 1494 — Tables for Figuring Amount Exempt from Levy on Wages, Salary, and Other Income (2026). Internal Revenue Service. Rev. 12-2025, for levies in 2026. Supplies: Exempt take-home pay by filing status, dependents and pay period; age 65/blind additions.
10. 2026 Poverty Guidelines. U.S. Department of Health and Human Services, ASPE. 2026 guidelines (48 states and DC). Supplies: $15,960 for one person + $5,680 per additional person (used for Wisconsin and Pennsylvania lease judgments).
11. State Minimum Wage Laws. U.S. Department of Labor, Wage and Hour Division. Updated July 1, 2026. Supplies: Current state minimum wages (DC, IL, MA, MD, ME, SD and the full-time-worker examples).

State statutes and state agencies (69)

1. Ala. Code § 5-19-15 — Garnishment (consumer credit). Alabama Legislature (ALISON). Code of Alabama as published 2026. Supplies: Alabama consumer-credit garnishment limit.
2. Ala. Code § 6-10-7 — Wages exempt (75%). Alabama Legislature (ALISON). Code of Alabama as published 2026. Supplies: 75% exemption; payment into court after 30 days; termination report within 15 days.
3. Alaska Stat. § 09.38.030 — Exemption of earnings. Alaska Legislature. 34th Legislature (2025–2026) online statutes. Supplies: Weekly net-earnings exemption; monthly ÷ 4.3, semimonthly ÷ 2.17 conversions.
4. Alaska Stat. § 09.38.050 — Increased exemption amount (sole support of household). Alaska Legislature. 2025–2026 online statutes. Supplies: Sole-support affidavit raises the exemption.
5. 8 AAC 95.030 — Adjusted exemption amounts. Alaska Administrative Code. Last amended April 4, 2013. Supplies: $473 weekly net earnings; $743 for sole support of a household.
6. A.R.S. § 33-1131 — Disposable earnings; garnishment limit. Arizona Legislature. As amended by Proposition 209 (2022). Supplies: 10% / 60 × highest applicable minimum wage; support: one-half exempt.
7. A.R.S. § 12-1598.10 — Continuing lien on earnings. Arizona Legislature. As published 2026. Supplies: When a continuing lien ends; hardship reduction.
8. Arizona minimum wage poster, effective January 1, 2026. Industrial Commission of Arizona. 2026. Supplies: Arizona minimum wage $15.15.
9. Ark. Code § 16-66-208 — Exemptions; wages. Arkansas Code via Justia (official LexisNexis site not machine-readable). 2025 Arkansas Code. Supplies: $25/week net wages absolutely exempt; 60-day wage claim procedure. Read from a full-text mirror because the official publisher’s site could not be read automatically.
10. Cal. Code Civ. Proc. § 706.050 — Maximum withholding. California Legislative Information. SB 1477 (Stats. 2022, ch. 849), operative September 1, 2023. Supplies: 20% / 40% of excess over 48 × state or local minimum wage.
11. Cal. Code Civ. Proc. § 706.022 — Withholding period. California Legislative Information. Amended by AB 774, effective January 1, 2026. Supplies: Withholding starts 30th day after service (45th if exemption claimed).
12. Cal. Code Civ. Proc. §§ 706.051, 706.105 — Necessary-support exemption and claim procedure. California Legislative Information. As published 2026. Supplies: Exemption for earnings necessary for support; 10-day creditor opposition window.
13. Minimum Wage FAQ. California Department of Industrial Relations. 2026. Supplies: California minimum wage $16.90 (2026).
14. News Release 2026-66: minimum wage set to increase to $17.40 on January 1, 2027. California Department of Industrial Relations. 2026. Supplies: California minimum wage $17.40 from January 1, 2027.
15. C.R.S. § 13-54-104 — Restrictions on garnishment. Colorado General Assembly, Colorado Revised Statutes 2024 (official uncertified printout). C.R.S. 2024 (latest PDF the General Assembly publishes). Supplies: 20% / 40 × state minimum wage; health insurance deducted from disposable earnings; hardship hearing.
16. Colorado Department of Labor and Employment — 2026 minimum wage. CDLE. 2026. Supplies: Colorado minimum wage $15.16 (2026).
17. Conn. Gen. Stat. § 52-361a — Execution on wages after judgment. Connecticut General Assembly. Current through P.A. 23-23. Supplies: 25% / 40 × higher of federal or state minimum wage; 20-day stay; seven-execution firing rule.
18. Governor Lamont Announces Connecticut’s Minimum Wage Will Increase to $16.94 on January 1, 2026. Office of the Governor of Connecticut. September 2025. Supplies: Connecticut minimum wage $16.94 (2026); 2027 rate due by October 15.
19. 10 Del. C. § 4913 — Exemption and attachment of wages. Delaware Code Online. As published 2026. Supplies: 85% of wages exempt; one attachment at a time.
20. D.C. Code § 16-572 — Attachment of wages; percentage limitations. Council of the District of Columbia (D.C. Law Library). As amended by D.C. Law 22-296 (2019). Supplies: 25% of disposable wages above 40 × DC minimum wage; one attachment at a time.
21. Fla. Stat. § 222.11 — Exemption of wages from garnishment. Florida Legislature (Online Sunshine). As amended by ch. 2010-97. Supplies: Head-of-family exemption ($750/week; written waiver rule); 6-month bank-deposit protection.
22. O.C.G.A. § 18-4-20 — Property subject to garnishment; wage limit. Georgia Code via Justia (official LexisNexis site not machine-readable). Justia edition. Supplies: Georgia 25% / 30 × federal minimum wage limit. Read from a full-text mirror because the official publisher’s site could not be read automatically.
23. Haw. Rev. Stat. § 652-1 — Garnishee process. Hawaii State Legislature. Current HRS. Supplies: 5% / 10% / 20% monthly tiers; district-court affidavit procedure.
24. Idaho Code § 11-207 — Restriction on garnishment. Idaho Legislature. As amended 1982. Supplies: Idaho 25% / 30 × federal minimum wage.
25. 735 ILCS 5/12-803 — Wages subject to collection. Illinois General Assembly. P.A. 95-661. Supplies: 15% of gross / 45 × greater of federal or Illinois minimum wage.
26. Ind. Code § 24-4.5-5-105 — Limitation on garnishment. Indiana Code via Justia (official site not machine-readable). Justia edition. Supplies: 25% (reducible to 10%–25% for good cause) / 30 × federal minimum; employer fee. Read from a full-text mirror because the official publisher’s site could not be read automatically.
27. Iowa Code § 642.21 — Exemption from net earnings (annual caps). Iowa Legislature. Iowa Code 2026. Supplies: Annual per-creditor caps by expected earnings; no discharge for garnishment.
28. Iowa Code § 537.5105 — Limitation on garnishment (consumer credit). Iowa Legislature. Iowa Code 2026. Supplies: 25% / 40 × federal minimum for consumer credit judgments; hardship application.
29. K.S.A. 60-2310 — Wage garnishment restrictions. Kansas Office of Revisor of Statutes. As published 2026. Supplies: 25% / 30 × federal minimum; one garnishment per creditor per 30 days; illness rule; assigned-account bar.
30. KRS 427.010 — Exempt property; disposable earnings. Kentucky General Assembly. Effective June 29, 2017. Supplies: Kentucky 25% / 30 × federal minimum.
31. La. R.S. 13:3881 — General exemptions from seizure. Louisiana Revised Statutes via Justia. Justia edition. Supplies: 75% of disposable earnings exempt, never less than 30 × federal minimum. Read from a full-text mirror because the official publisher’s site could not be read automatically.
32. 14 M.R.S. § 3126-A — Installment payment orders; garnishment limit. Maine Legislature. As published 2026. Supplies: 25% / 40 × higher of federal or Maine minimum wage.
33. 14 M.R.S. § 3127-B — Order to withhold and answer. Maine Legislature. As published 2026. Supplies: Wage withholding only after missed installments or failure to appear; 20-day deadlines.
34. Md. Code, Com. Law § 15-601.1 — Wages exempt from attachment. Maryland General Assembly. As published 2026. Supplies: Greater of 75% or 30 × state minimum wage, plus medical insurance withheld.
35. M.G.L. c. 246, § 28 — Wages exempt from attachment. Massachusetts Legislature. As published 2026. Supplies: Greater of 85% of gross or 50 × greater of federal or state minimum wage.
36. MCL 600.4012 — Garnishment of periodic payments. Michigan Legislature. As published 2026. Supplies: Periodic garnishment lasts until paid; 6-month balance statements; 21-day release.
37. Minn. Stat. § 571.922 — Limitation on wage garnishment. Minnesota Revisor of Statutes. Amended 2024 and 2025 (1st Sp. Sess.). Supplies: 10% / 15% / 25% income tiers; 40 × greater of state or federal minimum.
38. Minimum wage in Minnesota. Minnesota Department of Labor and Industry. 2026 page incl. January 1, 2027 adjustment. Supplies: Minnesota minimum wage $11.41 (2026), $11.87 (2027).
39. RSMo § 525.030 — Garnishment of wages. Missouri Revisor of Statutes. As published 2026. Supplies: 25% / 30 × federal minimum, or 10% for a Missouri-resident head of family.
40. Mont. Code Ann. § 25-13-614 — Earnings of judgment debtor. Montana Legislature. MCA as published. Supplies: Montana 25% / 30 × federal minimum.
41. Neb. Rev. Stat. § 25-1558 — Wages exempt. Nebraska Legislature. As published 2026. Supplies: 25% / 30 × federal minimum, or 15% for a head of family.
42. NRS 31.295 and 31.2955 — Garnishment of earnings. Nevada Legislature. As amended 2017. Supplies: 18% (gross ≤ $770/week) or 25%; 50 × federal minimum floor; how gross weekly pay is measured.
43. N.H. RSA 512:21 — Exemptions from trustee process. New Hampshire General Court. As published 2026. Supplies: 50 × federal minimum per week exempt; only wages earned before service.
44. N.J.S.A. 2A:17-56 — Limitation on amount specified in execution. New Jersey Statutes via Justia (official site is a frame application that could not be read automatically). 2025 New Jersey Statutes (as amended by P.L. 2005, c. 124). Supplies: 10% cap unless income exceeds 250% of poverty; State executions up to 25% of gross. Read from a full-text mirror because the official publisher’s site could not be read automatically.
45. NMSA 1978, § 35-12-7 — Exemptions from garnishment. New Mexico Statutes via Justia (NMOneSource could not be read automatically). 2025 NMSA, as amended by Laws 2023, ch. 104. Supplies: Greater of 75% or 40 × highest applicable minimum wage exempt; 50% support cap; deposited wages stay exempt. Read from a full-text mirror because the official publisher’s site could not be read automatically.
46. N.Y. CPLR § 5231 — Income execution. New York State Senate. As published 2026. Supplies: 10% of gross; 25% / 30 × greater of federal or state minimum; medical-debt bar; support interaction.
47. Minimum Wage. New York State Department of Labor. 2026 page incl. January 1, 2027 update. Supplies: $17.00 (NYC, Long Island, Westchester) / $16.00 (rest of state), unchanged on January 1, 2027.
48. N.C. Gen. Stat. § 1-362 — Debtor’s property ordered sold. North Carolina General Assembly. As published 2026. Supplies: 60 days of earnings protected when needed to support a family.
49. N.D.C.C. § 32-09.1-03 — Restriction on garnishment of earnings. North Dakota Legislative Branch. As published 2026. Supplies: 25% / 40 × federal minimum, less $20/week per dependent.
50. Ohio Rev. Code § 2329.66(A)(13) — Exempt personal earnings. Ohio Laws (LAWriter). As published 2026. Supplies: Greater of 30/60/65/130 × federal minimum or 75% of disposable earnings.
51. Okla. Stat. tit. 31, §§ 1(A)(18), 1.1 and tit. 12, § 1173.4. Oklahoma State Courts Network (OSCN). As published 2026. Supplies: 75% of current wages exempt; undue-hardship hearing; 180-day continuing garnishment.
52. ORS 18.385 — Wage exemption. Oregon State Legislature. 2025 ORS. Supplies: 75% exempt; dated floor table ($400 weekly from July 1, 2026); minimum-wage formula from July 1, 2027.
53. 42 Pa.C.S. § 8127 — Personal earnings exempt from process. Pennsylvania General Assembly. As published 2026. Supplies: Wages exempt except listed debts; residential-lease judgments 10% of net wages / poverty floor.
54. R.I. Gen. Laws § 9-26-4 — Property exempt from attachment. Rhode Island General Assembly. As published 2026. Supplies: Wages exempt for one year after public relief ends; $50 wage exemption.
55. S.C. Code §§ 15-39-410 and 37-5-104. South Carolina Legislature. As published 2026. Supplies: Earnings cannot be applied to judgments; no garnishment for consumer credit debts.
56. SDCL 21-18-51 and 15-20-12. South Dakota Legislature. As amended 2016. Supplies: 20% / 40 × greater of federal or state minimum, less $25/week per dependent; 60-day family exemption.
57. Tenn. Code Ann. § 26-2-106 — Maximum amount of disposable earnings subject to garnishment. Tennessee Code Annotated (LexisNexis, official publisher; free public access). As published 2026. Supplies: Tennessee 25% / 30 × federal minimum; debtor pays garnishment costs.
58. Tenn. Code Ann. §§ 26-2-107 and 26-2-214 — Exemptions for dependent children; garnishee duties. Tennessee Code Annotated (LexisNexis, official publisher; free public access). As published 2026. Supplies: $2.50 a week per dependent child under 16; employer must list children and pay exempt earnings.
59. Miss. Code Ann. § 85-3-4 — Execution or attachment of wages; limitations. Mississippi Code of 1972 Annotated (LexisNexis, official publisher; free public access). As published 2026 (subsection (1) and opening of (2) read). Supplies: 30-day exemption after service; limit measured on federal disposable earnings.
60. Tex. Const. art. XVI, § 28 and Tex. Prop. Code § 42.001(b)(1). Texas Legislature (Texas Constitution and Statutes). As published 2026. Supplies: Current wages exempt except court-ordered child support and spousal maintenance.
61. Utah Code § 70C-7-103 — Limitation on garnishment. Utah Legislature. As published 2026. Supplies: 25% / 30 hours × federal minimum; 15% for education-loan judgments.
62. 12 V.S.A. § 3170 — Exemptions; issuance of order. Vermont General Assembly. As amended 2009. Supplies: 85% / 40 × federal minimum for consumer credit; 75% / 30 × otherwise; assistance bar.
63. Va. Code § 34-29 — Maximum portion of disposable earnings subject to garnishment. Virginia Law (Code of Virginia). Versions in effect until and from July 1, 2027 (2026 Acts). Supplies: 25% / 40 × greater of federal or Virginia minimum wage.
64. Va. Code § 40.1-28.10 — Minimum wage. Virginia Law (Code of Virginia). 2026 Acts. Supplies: Virginia minimum wage $12.77 (2026), $13.75 (2027), $15.00 (2028).
65. RCW 6.27.150 — Exemption of earnings. Washington State Legislature. As amended 2021 c 35. Supplies: Consumer debt: 80% / 35 × state minimum; other debts and private student loans.
66. Minimum Wage. Washington State Department of Labor & Industries. 2026 page incl. 2027 rate. Supplies: Washington minimum wage $17.13 (2026), $17.73 (2027).
67. W. Va. Code § 38-5A-3 — Suggestee execution. West Virginia Legislature. As published 2026. Supplies: 20% of wages after taxes; never below 50 × federal minimum; one-year lien.
68. Wis. Stat. §§ 812.34, 812.35, 812.38, 812.39. Wisconsin State Legislature. As published 2026. Supplies: 80% exempt; poverty-line exemption; 13-week garnishment periods; support priority.
69. Wyo. Stat. §§ 1-15-511 and 1-15-408. Wyoming Legislature (Title 1 PDF). As published 2026. Supplies: Wyoming 25% / 30 × federal minimum; deposited-earnings protection.

Cross-check only (1)

1. No Fresh Start 2025: Will States Let Debt Collectors Push Families Into Poverty?. National Consumer Law Center. December 2025. Supplies: Cross-check only — never the source of a figure.

Dated figures and when they expire

These are the perishable numbers. Each has an end date; the calculator switches to “enter your official figure” after it unless a verified successor is listed.