Idaho Wage Garnishment Calculator

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Idaho Wage Garnishment Calculator

How much an Idaho paycheck can lose to a writ of garnishment, support order, tax levy, student loan or Chapter 13 plan. I.C. 11-207, 11-712, 32-1210, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): ordinary wage garnishment is capped at the lesser of 25% of weekly disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum wage ($217.50), per I.C. 11-207 and 11-712; at or below that floor nothing is taken. Income withholding orders for support may not exceed 50% of disposable earnings (I.C. 32-1210(3)), while I.C. 11-207 lists the CCPA support tiers 50 / 60% plus arrears additions for other support process (VERIFY which governs your order). The Idaho State Tax Commission continuous wage garnishment takes 25% of gross earnings. IRS levies use Publication 1494 and sit outside the state caps, as do Chapter 13 plan payments. Idaho’s minimum wage equals the federal $7.25. A judgment debtor may file a claim of exemption under I.C. 11-711 and I.R.C.P. 69.1. No discharge for one garnishment (15 U.S.C. 1674).

1. Mode, county and pay date

Stack uses the order boxes in section 3.
Idaho matches the federal minimum wage.
Magistrate Division or District Court venue.
Weekly tests scale by 52 / periods.
Select a county to see the venue note and the statewide protected floor.

2. Gross pay and legally required withholding

Includes bonuses and commissions.
Voluntary 401(k) excluded.
Take-home only; not in the garnishment base.

3. Order type and amounts

0 applies the statutory maximum.
Informational; support sits outside the 25% aggregate.
Shares the 25% ceiling.

4. Balance and payoff

Idaho post-judgment interest follows I.C. 28-202 (VERIFY current rate); 10% entered as a placeholder.

How it works

  • Disposable = gross minus legally required withholding; voluntary shown separately.
  • Weekly conversion = 52 / periods (1, 2, 2.1667, 4.3333); I.C. 11-207 tests run weekly.
  • Floor = 30x $7.25 = $217.50 weekly; at or below it no ordinary garnishment.
  • Consumer cap = lesser of 25% of disposable and above-floor amount, reduced by other non-support garnishments.
  • Support = lesser of ordered and 50% of disposable (I.C. 32-1210(3)); CCPA tiers noted for other support process.
  • Student loan = lesser of 15% disposable and above the federal floor.
  • IRS = disposable above Pub 1494 exempt; ISTC = 25% of gross; neither uses the 25%-of-disposable cap.
  • Stack applies precedence in order and the 25% aggregate on non-support, non-tax orders.
  • Payoff amortizes at the entered rate and flags non-amortizing or zero-withholding cases.

Sources

  • Idaho Code 11-207 (25% / 30x federal minimum wage, support tiers) and 11-711 to 11-715 (claim of exemption, wage garnishment maximum, deposit protection): legislature.idaho.gov
  • Idaho Code 32-1210(3) (income withholding capped at 50% of disposable earnings): legislature.idaho.gov
  • Idaho Rules of Civil Procedure 69.1 (claim of exemptions, interrogatories): isc.idaho.gov
  • 15 U.S.C. 1671-1677 and DOL Fact Sheet 30: dol.gov
  • Idaho State Tax Commission forced collection actions and continuous wage garnishment at 25% of gross: tax.idaho.gov
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19: studentaid.gov
  • Idaho Code 28-202 (post-judgment interest): legislature.idaho.gov

Test cases

TC1 Ada County, 2026, weekly. Gross $1,000.00; required $200.00; disposable $800.00. 25% cap $200.00; floor room $800.00 minus $217.50 = $582.50. Withheld $200.00, take-home $600.00, 25.00%. $4,000 at 10% clears in 21 weeks, total $4,200.00, interest $200.00.
TC2 Kootenai County, 2026, weekly. Gross $260.00; required $50.00; disposable $210.00, at or below the $217.50 floor. Withheld $0.00. The 25% cap would have allowed $52.50 had the floor not barred it.
TC3 Bonneville County, 2026, biweekly. Gross $2,400.00; required $560.00; disposable $1,840.00. Child support IWO ordered $1,000.00 against the I.C. 32-1210(3) ceiling of 50% = $920.00. Withheld $920.00, take-home $920.00.
TC4 Canyon County, 2026, biweekly, stack. Gross $2,400.00; required $560.00; disposable $1,840.00. Support $300.00; ISTC requested $200.00 against its 25%-of-gross cap $600.00; consumer requested $400.00 within the $460.00 25% aggregate and $1,405.00 floor room. Total $900.00, take-home $940.00.
TC5 Twin Falls County, 2026, semimonthly. Gross $2,600.00; required $600.00; disposable $2,000.00. Federal student loan AWG 15% = $300.00; federal floor $471.25 per period leaves $1,528.75. Withheld $300.00, take-home $1,700.00. $9,000 at 0% clears in 30 periods, about 1.25 years.
Estimates only; not legal advice. All figures VERIFY, including the 25% and 30x federal floor formula of I.C. 11-207 and 11-712, the 50% income withholding cap of I.C. 32-1210(3) versus the CCPA tiers in 11-207, the ISTC 25%-of-gross continuous garnishment, claim of exemption deadlines under I.R.C.P. 69.1, magistrate division jurisdiction limits and the I.C. 28-202 post-judgment rate. Pub 1494 estimate uses 2026 standard deductions ($16,100 / $24,150 / $32,200) plus $5,300 per dependent plus $1,600 per age-65 or blind box. Not modeled: service-date priority, contested exemption hearings, automatic stays, self-employment income, bonuses, severance, pensions, unemployment or workers compensation, and community property claims. Consult an Idaho attorney or Idaho Legal Aid Services. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“idaho-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is an Idaho Wage Garnishment Calculator?

An Idaho wage garnishment calculator estimates withholding from a pay period by calculating disposable earnings and applying the formula for the selected order type. For an ordinary judgment, this tool compares 25% of disposable earnings with earnings above its $217.50 weekly protected floor and accounts for entered non-support garnishments.

The primary output is “Withheld per pay period.” The results also show gross and disposable earnings, weekly equivalents, the protected floor, the 25% calculation, the order-specific cap, estimated take-home pay, weekly and annual withholding, and the share of disposable earnings withheld.

The calculator has three modes. Single order calculates one selected order type. Stacking mode applies five entered order amounts in sequence. Payoff timeline mode treats the calculated withholding as a recurring payment toward an entered balance.

How the Idaho Wage Garnishment Calculation Works

The calculation starts with disposable earnings. The calculator adds federal income tax, Idaho income tax, Social Security and Medicare, mandatory retirement, and other required withholding. If their total exceeds gross pay, required withholding is capped at gross pay.

D=G−min⁡(R,G)D=G-\min(R,G)

Here, D is disposable earnings, G is gross pay for the period, and R is total legally required withholding. Voluntary deductions are excluded from this base and are subtracted later when take-home pay is displayed.

The calculator converts each pay period to a weekly basis. If N is the number of pay periods per year, the number of weeks represented by one period is:

w=52Nw=\frac{52}{N}

The program uses 52 periods for weekly pay, 26 for biweekly, 24 for semimonthly, and 12 for monthly pay. Its protected weekly amount is 30 times the encoded $7.25 value, or $217.50.

Consumer and private student loan judgments

For an ordinary consumer judgment, the calculator first determines the amount of disposable earnings above the protected floor for the selected pay period.

F=max⁡(0,D−217.50w)F=\max\left(0,D-217.50w\right)

It also calculates 25% of disposable earnings and subtracts the amount entered as “Other non-support garnishments” from that 25% room.

Q=max⁡(0,0.25D−O)Q=\max\left(0,0.25D-O\right)

Here, O is the entered amount of other non-support garnishments. The implemented ordinary judgment ceiling is the smallest of these values:

C=min⁡(0.25D,F,Q)C=\min\left(0.25D,F,Q\right)

If the demanded amount is positive and lower than this ceiling, the calculator uses the demanded amount. If the demanded amount is zero, it uses the calculated ceiling.

The “Private student loan judgment” option follows this same consumer-judgment branch in the current code. It does not receive the separate 15% percentage used for federal student loan administrative wage garnishment.

Support withholding

The implemented child-support and spousal-support calculation uses a fixed 50% of disposable earnings. Although explanatory text inside the calculator discusses other support percentages for some processes, the code provides no second-family or arrears inputs and uses 50% for both support selections.

Cs=0.50DC_s=0.50D

A positive demanded amount below this ceiling reduces the withholding. The calculator also prevents the support amount from exceeding disposable earnings.

Federal student loan garnishment

Federal student loan administrative wage garnishment uses the smaller of 15% of disposable earnings and the amount above the same protected floor.

CAWG=min⁡(0.15D,F)C_{AWG}=\min\left(0.15D,F\right)

A lower positive demanded amount can reduce the final withholding. The separate “Other non-support garnishments” field is not subtracted from this single-order federal student loan calculation.

IRS, Idaho tax, and Chapter 13 calculations

For an IRS levy, the calculator estimates an exempt amount using an encoded filing-status figure for the selected year. It adds $5,300 for each dependent and $1,600 for each age-65-or-blind box before dividing the annual amount by the number of pay periods.

EIRS=B+5300d+1600aNE_{IRS}=\frac{B+5300d+1600a}{N}

Here, B is the encoded filing-status amount, d is the dependent count, and a is the age-65-or-blind count. A positive exemption override replaces this estimate. The levy amount is disposable earnings above the exemption, never below zero.

The Idaho State Tax Commission option uses 25% of gross pay, but the calculator caps that amount at disposable earnings.

CISTC=min⁡(0.25G,D)C_{ISTC}=\min\left(0.25G,D\right)

Chapter 13 converts the entered monthly plan payment to the selected pay frequency and caps the result at disposable earnings.

C13=min⁡(D,12PmN)C_{13}=\min\left(D,\frac{12P_m}{N}\right)

For both Idaho tax garnishment and Chapter 13, a positive demanded amount below the calculated ceiling reduces the single-order withholding.

Worked Idaho wage garnishment example

Assume a hypothetical biweekly paycheck has $2,000.00 of gross pay, $400.00 of required withholding, $100.00 of voluntary deductions, no other non-support garnishments, and a consumer judgment. Leave the demanded amount at zero.

Disposable earnings are $2,000.00 − $400.00 = $1,600.00. A biweekly period represents two weeks, so the protected amount for the period is $217.50 × 2 = $435.00. That leaves $1,165.00 above the floor.

Twenty-five percent of $1,600.00 is $400.00. With no other garnishments entered, the remaining 25% room is also $400.00. The calculator therefore compares $400.00, $1,165.00, and $400.00. The smallest amount is $400.00, so withholding is $400.00 per pay period.

The displayed weekly withholding is $200.00, and annual withholding is $10,400.00 at 26 pay periods. After $400.00 of required withholding, $100.00 of voluntary deductions, and the $400.00 garnishment, displayed take-home pay is $1,100.00.

How the payoff timeline works

Payoff mode treats the calculated withholding as a recurring payment against the balance. The periodic interest rate equals the entered annual percentage rate divided by 100 and by annual pay periods.

n=⌈−ln⁡(1−BiP)ln⁡(1+i)⌉n=\left\lceil\frac{-\ln\left(1-\frac{Bi}{P}\right)}{\ln(1+i)}\right\rceil

Here, B is the balance, P is the payment per period, i is the periodic interest rate, and n is the number of periods rounded up. If the payment does not exceed one period of starting interest, the calculator reports that the balance never amortizes.

At a 0% entered rate, the calculator divides the balance by the payment and rounds up. It displays the balance itself as total paid and zero interest. With a positive rate, total paid equals the rounded number of periods multiplied by the full periodic payment.

How to Use the Idaho Wage Garnishment Calculator

  1. Select Single order, Stacking, or Payoff timeline mode.
  2. Choose the wage year, Idaho county, and pay frequency.
  3. Enter gross pay and the amounts for federal income tax, Idaho income tax, Social Security and Medicare, mandatory retirement, and other required withholding.
  4. Enter voluntary deductions separately. They reduce displayed take-home pay but not disposable earnings.
  5. Select the order type and enter the demanded amount, existing support, and other non-support garnishments when applicable.
  6. Complete the IRS, Chapter 13, or stacking fields if those sections appear.
  7. For payoff mode, enter the balance owed and annual interest rate.
  8. Check the required acknowledgment and select Calculate. Pressing Enter in an input or selection also runs the calculation.

The main result is the calculated withholding for the selected single order. The calculator also identifies the binding limit and displays weekly withholding, annual withholding, take-home pay, and the percentage of disposable earnings withheld. The Reset button restores the original field values.

Important Assumptions and Calculator Behavior

Input or featureHow the calculator uses it
Pay yearSelects the encoded IRS exemption table for 2024, 2025, or 2026. The ordinary protected floor remains $217.50 weekly.
CountyControls the displayed venue information. It does not change the numerical withholding formula.
Support already withheldIs displayed as information but is not subtracted by the implemented single-order or stack calculations.
Other non-support garnishmentsReduce the 25% room for a single consumer or private student loan judgment.
Voluntary deductionsReduce displayed take-home pay but do not reduce disposable earnings.
Private student loanUses the same single-order formula as a consumer judgment in the current code.
SupportUses a fixed 50% of disposable earnings in both single-order and stack calculations.

Stacking mode processes five entered amounts in this order: support, IRS levy, Idaho State Tax Commission garnishment, federal student loan, and consumer judgment. A zero in a stack-order box means no order for that step.

Support is limited to 50% of the original disposable earnings and the amount still remaining. The IRS step preserves its calculated exemption from the remaining earnings. The Idaho tax step is limited to 25% of gross pay and to the amount remaining after the first two steps.

The federal student-loan stack step uses the smaller of the requested amount, 15% of original disposable earnings, and earnings above the protected floor. The current code does not separately cap this step at the amount remaining after support, IRS, and Idaho tax withholding. Large preceding orders can therefore make the internal remaining amount negative.

The final consumer step calculates an aggregate room equal to 25% of original disposable earnings minus the federal student-loan amount calculated in the stack. It also applies the ordinary 25% and protected-floor limits and cannot exceed the remaining amount. The separate “Other non-support garnishments” field is not used in this stack consumer calculation.

Stack mode automatically displays the payoff panel using total stacked withholding as its recurring payment. Because a balance is required only when Payoff timeline mode is selected, a stack calculation with the balance left at zero displays the payoff note asking for a balance.

There is also a display inconsistency in the federal student-loan explanatory note. The calculation itself uses the correct encoded $217.50 weekly floor, but that note references a weekly-floor property that is not created by the base calculation. As a result, the explanatory text can display $0.00 as the weekly floor while the numeric garnishment calculation still uses the correct floor.

Most money fields accept values from $0 through $10,000,000. Balance allows up to $100,000,000. The annual interest input accepts 0% through 40%. IRS dependents allow 0 through 20, while the age-65-or-blind input allows 0 through 2. Gross pay must be greater than zero.

County selection and the acknowledgment checkbox are required. Balance becomes required in Payoff timeline mode. Currency results use U.S. formatting with two decimal places, and the share of disposable earnings withheld is displayed as a percentage with two decimal places.

The visual withholding meter is scaled against a 65% reference level and changes appearance at 10% and 25% of disposable earnings. Those are presentation thresholds and do not create additional withholding limits.

This calculator provides a legal and financial estimate based on the formulas and assumptions programmed into the tool. Actual withholding may depend on the governing order, exemptions, current law, agency or court action, payroll treatment, and facts not represented by these inputs.

Frequently Asked Questions

What are disposable earnings in this calculator?

Disposable earnings are gross pay minus the legally required withholding entered in the calculator. The code includes federal and Idaho income tax, Social Security and Medicare, mandatory retirement, and other required withholding. Voluntary deductions are not removed until the calculator determines displayed take-home pay.

What is the protected wage floor?

The calculator uses $217.50 as its protected weekly amount for ordinary garnishment. It comes from multiplying the encoded $7.25 value by 30. For longer pay periods, the tool scales this amount by the number of weeks represented by the selected frequency.

How are private student loans calculated?

The current calculator treats a private student loan judgment the same as a consumer or contract judgment. It applies the 25% disposable-earnings limit, the protected-floor calculation, and remaining room after other non-support garnishments. The separate 15% rate in the code is used for federal student loan AWG.

How does the calculator handle child or spousal support?

It uses a 50% ceiling for both child and spousal support. The current interface does not provide second-family or arrears checkboxes that would change this rate. A lower positive demanded amount can reduce the result below 50% of disposable earnings.

Does the Idaho tax garnishment use gross or disposable pay?

The implemented Idaho State Tax Commission branch starts with 25% of gross pay. It then limits that amount to disposable earnings if disposable earnings are lower. This is different from the ordinary consumer judgment branch, which starts with 25% of disposable earnings.

Do voluntary deductions lower the garnishment base?

No. Voluntary deductions such as health deductions, voluntary 401(k) contributions, and dues do not reduce disposable earnings in the implemented formulas. They are subtracted later when take-home pay is calculated, so they can reduce the displayed amount left in the paycheck without reducing the garnishment base.

What does the payoff timeline estimate?

The payoff timeline estimates the number of pay periods and approximate calendar time needed to satisfy an entered balance using calculated withholding as a recurring payment. It also displays total paid and interest paid. A zero payment or a payment that does not cover one period of starting interest prevents a normal amortized payoff result.

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