Garnishment Calc
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Virginia Wage Garnishment Calculator

Virginia keeps the 25% cap but protects 40 times the Virginia minimum wage — $510.80 a week in 2026, $550 in 2027 and $600 in 2028 as the scheduled increases take effect.

Type of garnishment
Example figures shown; use your stub.
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Forty hours of the Virginia minimum wage

The amount by which his disposable earnings for that week exceed 40 times the federal minimum hourly wage prescribed by 29 U.S.C. § 206(a)(1) or the Virginia minimum hourly wage prescribed by § 40.1-28.10, whichever is greater
Va. Code § 34-29§1

One Richmond paycheck across three scheduled raises

A Richmond worker netting $595.00 a week can be garnished $84.20 in 2026, when the floor is 40 × $12.77. As the statutory minimum rises, the same check loses $45.00 in 2027 ($13.75) and $0.00 in 2028 ($15.00).

Discharge protection and bank deposits

  1. Virginia’s minimum wage is set in statute at $12.77 for 2026, $13.75 for 2027 and $15.00 for 2028; the calculator switches automatically by pay date.§2
  2. An employer may not discharge you because your earnings were garnished for any one debt.§1
  3. A bank holding earnings deposited for you is not required to work out which part is exempt, so you may need to raise the exemption yourself.§1
  4. A new version of § 34-29 takes effect July 1, 2027; it keeps the same wage formula and changes the tax exception to federal tax only.§1
  1. Va. Code § 34-29 (Versions in effect until and from July 1, 2027 (2026 Acts))
  2. Va. Code § 40.1-28.10
  3. 15 U.S.C. § 1673