Wage Garnishment Calculator (CCPA)

The problem

Garnishing too much wages exposes an employer to liability and protects too little leaves money on the table, and the CCPA caps differ for ordinary debt, support orders, and student loans.

The local-first solution

A deterministic, client-side calculator applies the CCPA limits of 15 U.S.C. 1673 to your dated inputs, returning the maximum garnishable amount and the binding rule, with no payroll data leaving the browser.

What it does

Honest scope

Authorities cited

• 15 U.S.C. 1673(a) - Maximum ordinary garnishment: lesser of 25% of disposable earnings or the excess over 30x the federal minimum wage.
• 15 U.S.C. 1673(b)(2) - Support orders: 50% (supporting another spouse/child) / 60% otherwise, +5% if >12 weeks in arrears.
• 29 U.S.C. 206(a)(1) - Federal minimum wage ($7.25); a higher state/local minimum raises the protected floor.
• 34 CFR 34.19 - Department of Education administrative wage garnishment (up to 15% of disposable earnings).
• IRC 6334 / IRS Pub. 1494 - Federal tax levy exempt-amount table (governs levies instead of the CCPA).

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