Kansas Wage Garnishment Calculator

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Kansas Wage Garnishment Calculator

How much a Kansas paycheck can lose to an earnings garnishment, support order, tax levy, student loan or Chapter 13 plan. K.S.A. 60-2310, 23-3104, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): an earnings garnishment takes the lesser of 25% of aggregate weekly disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum wage ($217.50); at or below that floor nothing is taken (K.S.A. 60-2310(b)). The statute also shields wages when the debtor is prevented from working by sickness – modeled with the sickness checkbox. Support income withholding caps at 50% of disposable earnings under K.S.A. 23-3104, rising to the CCPA tiers 55 / 60 / 65% only when the obligee requests more than 50% in writing. Kansas Department of Revenue wage levies and IRS levies sit outside the 25% cap; KDOR is modeled at 25% of disposable. Garnishment binds the employer immediately on service. Kansas minimum wage equals the federal $7.25. No discharge for one garnishment (15 U.S.C. 1674).

1. Mode, county and pay date

Stack uses the order boxes in section 3.
Affects the IRS table; Kansas matches the federal $7.25 minimum.
District Court venue; magistrate division handles small claims.
K.S.A. 60-2310 tests run weekly; scaled by 52 / periods.
Select a county to see the District Court 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

Kansas judgment interest follows K.S.A. 16-204 (VERIFY current rate); 10% entered as a placeholder.

How it works

  • Disposable = gross minus legally required withholding; voluntary shown separately; aggregate across pay periods.
  • Weekly conversion = 52 / periods (1, 2, 2.1667, 4.3333); K.S.A. 60-2310 tests run weekly.
  • Floor = 30x $7.25 = $217.50 weekly; at or below it nothing is garnished.
  • Consumer cap = lesser of 25% of disposable and the above-floor amount, reduced by other non-support garnishments.
  • The sickness shield zeroes an ordinary garnishment when the checkbox is on.
  • Support = lesser of ordered and 50% of disposable, or the CCPA tier 55 / 60 / 65% when the obligee requested more in writing.
  • Student loan = lesser of 15% disposable and above the federal 30x floor.
  • IRS = disposable above Pub 1494 exempt; KDOR = modeled at 25% of disposable; neither uses the state 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

  • K.S.A. 60-2310 (25% / 30x federal minimum wage restriction, sickness provision, definitions): ksrevisor.gov and law.justia.com
  • K.S.A. 23-3104 and district court earnings garnishment procedure packet (50% support ceiling, written request for more): ksrevisor.gov and kscourts.gov
  • Kansas Legal Services garnishment guide (25% cap, floor figures, exemption claims): kansaslegalservices.org
  • 15 U.S.C. 1671-1677 and DOL Fact Sheet 30: dol.gov
  • Kansas DOR collections and KW-100 withholding guide (wage levies): ksrevenue.gov
  • Kansas Department of Labor minimum wage ($7.25): dol.ks.gov
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19: studentaid.gov
  • K.S.A. 16-204 (judgment interest): ksrevisor.gov

Test cases

TC1 Johnson 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 Sedgwick 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 Shawnee County, 2026, biweekly, obligee requested above 50% in writing, arrears over 12 weeks, no second family. Gross $2,400.00; required $560.00; disposable $1,840.00. Tier 65% = $1,196.00; ordered $1,200.00. Withheld $1,196.00, take-home $644.00; without the written request the 50% ceiling would cap it at $920.00.
TC4 Wyandotte County, 2026, weekly, debtor prevented from working by sickness. Gross $1,200.00; required $240.00; disposable $960.00, well above the floor, and the caps would allow $240.00 – but the K.S.A. 60-2310 sickness shield applies. Withheld $0.00.
TC5 Douglas County, 2026, biweekly, stack. Gross $2,400.00; required $560.00; disposable $1,840.00. Support $300.00 (50% ceiling $920.00); no IRS or KDOR order; consumer requested $400.00 within the $460.00 25% cap and $1,405.00 floor room. Consumer $400.00, total $700.00, take-home $1,140.00.
Estimates only; not legal advice. All figures VERIFY, including the 25% and 30x floor formula and the sickness shield of K.S.A. 60-2310, the 50% support ceiling and written-request tiers of K.S.A. 23-3104, the KDOR modeled 25%, magistrate small claims limits, garnishee answer deadlines and the K.S.A. 16-204 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. Consult a Kansas attorney or Kansas Legal Services. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“kansas-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is a Kansas Wage Garnishment Calculator?

A Kansas wage garnishment calculator estimates how much of a pay period may be withheld after legally required deductions are removed from gross pay. This tool then applies the calculation branch for the selected order type, including ordinary judgment limits, support percentages, student loan rules, tax levies, or Chapter 13 payments.

The tool has three modes: Single order, Stacking - five order types, and Payoff timeline. Its main result is the amount withheld per pay period. It also displays weekly and annual equivalents, disposable earnings, protected income, estimated take-home pay, the share of disposable earnings withheld, and the factor that controlled the result.

Stack mode adds a five-step priority waterfall. Payoff mode uses the calculated periodic withholding to estimate how many pay periods are needed to satisfy an entered balance under the calculator's amortization formula.

How the Kansas Wage Garnishment Calculation Works

The calculator first determines disposable earnings. It adds federal income tax, Kansas income tax, Social Security and Medicare, mandatory retirement, and other required withholding. If these deductions exceed gross pay, the required-withholding total is capped at gross pay.

D=G−min⁡(G,R)D=G-\min(G,R)

Here, D is disposable earnings for the pay period, G is gross pay, and R is total legally required withholding. Voluntary deductions such as health deductions, 401(k) contributions, and dues do not reduce disposable earnings in this calculator.

The selected pay frequency determines the weekly conversion. The tool uses 52 weekly, 26 biweekly, 24 semimonthly, or 12 monthly pay periods per year.

Dw=D×P52D_w=D\times\frac{P}{52}

P is pay periods per year. The calculator uses a protected weekly floor equal to 30 times $7.25.

Fw=30×7.25=217.50F_w=30\times7.25=217.50

The amount of disposable earnings above that floor is:

H=max⁡(0,(Dw−217.50)×52P)H=\max\left(0,(D_w-217.50)\times\frac{52}{P}\right)

Consumer and Private Student Loan Judgments

Consumer or contract judgments and private student loan judgments use the ordinary garnishment branch. The calculator compares 25% of disposable earnings, the amount above the protected floor, and the remaining 25% aggregate room after other non-support garnishments.

C=min⁡(0.25D,H,max⁡(0,0.25D−O))C=\min\left(0.25D,H,\max(0,0.25D-O)\right)

O is Other non-support garnishments. If the sickness checkbox is selected, this ordinary garnishment cap is replaced with zero. A positive Amount demanded per period can also reduce withholding below the calculated cap. Entering zero for the demanded amount uses the full calculated cap.

The Support already withheld input is displayed in the results but is informational in this calculation. The code does not subtract it from the ordinary judgment cap.

Support Withholding

Child support and spousal maintenance start with a ceiling of 50% of disposable earnings.

Cs=rDC_s=rD

The rate r is 50% unless the Written request above 50% checkbox is selected. With that request, the calculator uses 55% when a second spouse or child is supported, or 60% when there is no second family. Arrears of at least 12 weeks add 5 percentage points, with an overall maximum of 65%.

A positive demanded amount below the ceiling becomes the withholding amount. The sickness checkbox does not reduce the support calculation.

Federal Student Loan Garnishment

The federal student loan administrative wage garnishment branch uses the smaller of 15% of disposable earnings and the amount above the same 30-times-$7.25 floor.

CAWG=min⁡(0.15D,H)C_{AWG}=\min(0.15D,H)

A positive demanded amount below this cap reduces the withholding. The Other non-support garnishments input is not subtracted from this single-order federal student loan calculation.

IRS, KDOR, and Chapter 13 Calculations

For an IRS levy, the calculator estimates an exempt amount using its stored value for the selected pay year and filing status. It then adds $5,300 for each dependent and $1,600 for each age-65-or-blind box before converting the amount to the selected pay frequency.

E=S+5300d+1600bPE=\frac{S+5300d+1600b}{P}
CIRS=max⁡(0,D−E)C_{IRS}=\max(0,D-E)

S is the stored amount for the selected year and filing status, d is the dependent count, and b is the age-65-or-blind count. A positive Override exempt amount replaces the calculated exemption. Available wage years are 2024, 2025, and 2026.

The Kansas Department of Revenue branch is modeled at 25% of disposable earnings.

CKDOR=0.25DC_{KDOR}=0.25D

For Chapter 13, the calculator converts the entered monthly plan payment to one pay period and prevents the calculated cap from exceeding disposable earnings.

CCh13=min⁡(D,12MP)C_{Ch13}=\min\left(D,\frac{12M}{P}\right)

M is the monthly Chapter 13 payment. In the single-order IRS, KDOR, and Chapter 13 branches, a positive Amount demanded below the calculated cap further reduces withholding.

Worked Example

Assume weekly gross pay is $1,000 and legally required withholding totals $200. There are no other non-support garnishments, the sickness checkbox is off, and the selected order is a consumer judgment with Amount demanded set to zero.

D=1000−200=800D=1000-200=800

Twenty-five percent of disposable earnings is $200. The amount above the $217.50 weekly floor is $582.50. Remaining aggregate room is also $200.

C=min⁡(200,582.50,200)=200C=\min(200,582.50,200)=200

The calculator therefore shows $200.00 withheld for the period. With no voluntary deductions, estimated take-home pay is $600.00. The withholding equals 25.00% of disposable earnings.

How to Use the Kansas Wage Garnishment Calculator

  1. Select Single order, Stacking - five order types, or Payoff timeline.
  2. Choose the wage year, Kansas county, and pay frequency.
  3. Select the sickness checkbox only if you want the calculator to apply its sickness shield to the ordinary judgment branch.
  4. Enter gross pay and any federal tax, Kansas tax, Social Security and Medicare, mandatory retirement, or other required withholding.
  5. Enter voluntary deductions separately. They affect estimated take-home pay but do not reduce the calculator's disposable-earnings base.
  6. Select an order type and enter the amount demanded, existing support, and other non-support garnishments where applicable.
  7. For support, IRS, Chapter 13, or stack calculations, complete the additional fields shown by the calculator.
  8. For Payoff timeline mode, enter the balance and annual interest rate. The interest field starts at 10%, which the calculator labels as a placeholder to verify.
  9. Check the required acknowledgment and select Calculate. Use Reset to restore the original field values.

The primary result is Withheld per pay period. The results section also shows disposable earnings, the protected floor, the 25% amount, order-specific cap, remaining room, weekly and annual withholding, estimated take-home pay, and the binding factor identified by the code.

Understanding Stack and Payoff Results

How Stack Mode Works

Stack mode processes five entered order amounts in this sequence: support, IRS levy, KDOR levy, federal student loan, and consumer judgment. Support is limited by the selected support ceiling and remaining disposable earnings. The IRS step takes the smaller of its entered amount and the remaining earnings above the estimated IRS exemption.

KDOR is limited to the entered amount, 25% of the original disposable earnings, and the remaining earnings. Federal student loan withholding is then limited to the entered amount, 15% of original disposable earnings, and the 30-times floor calculation.

In the implemented code, the student-loan step is not separately limited to the remaining earnings before it is subtracted. The final consumer judgment is limited by its ordinary judgment cap, remaining room under the 25% non-support ceiling after the student-loan amount, and remaining earnings.

The sickness checkbox affects the consumer-judgment portion of the stack because that step uses the ordinary consumer cap. It does not zero the preceding support, tax, or federal student loan steps.

How the Payoff Timeline Works

Payoff mode treats calculated withholding as the payment made each pay period. The periodic interest rate equals the entered annual percentage rate divided by 100 and by the number of pay periods per year.

i=APR100Pi=\frac{APR}{100P}

For a positive interest rate, the payment must exceed one period of interest on the starting balance. When it does, the calculator estimates the number of periods with the following amortization formula and rounds upward to a whole pay period.

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

B is the balance, Q is withholding per pay period, and n is the number of payments. If the payment is no greater than the interest accruing for one period, the calculator reports that the balance never amortizes.

For positive interest, displayed Total paid equals the rounded number of periods multiplied by the full periodic payment. Displayed Interest paid is that total minus the starting balance. At 0% interest, the tool rounds balance divided by payment upward and displays the original balance as Total paid with $0.00 interest.

Stack mode also displays the payoff panel using total stacked withholding as the payment. Balance owed is required by the form only when Payoff timeline mode is selected, so a stack calculation can show a payoff panel with a zero balance if no balance was entered.

Important Inputs and Calculation Limits

Gross pay must be greater than zero before the calculator will produce results. Most money fields accept values from $0 through $10,000,000. Balance owed accepts up to $100,000,000. The annual interest input ranges from 0% through 40%.

IRS dependents are limited to values from 0 through 20. The Age 65 or blind input accepts 0 through 2. The county field is required and is used for the displayed District Court venue information. It does not change the numerical statewide garnishment formula.

Pay frequency does affect the numerical results. It controls weekly conversions, IRS exemption calculations, Chapter 13 period payments, annual withholding, and payoff timing.

The calculator estimates take-home pay as gross pay minus required withholding, voluntary deductions, and calculated garnishment. If that result would be negative, the displayed take-home amount is set to zero.

T=max⁡(0,G−R−V−W)T=\max(0,G-R-V-W)

T is estimated take-home pay, V is voluntary deductions, and W is calculated withholding.

Dollar results are formatted with two decimal places. The share of disposable earnings withheld is shown to two decimal places. The calculator also displays a meter scaled to a 65% support maximum, with visual threshold changes at 10% and 25%. The meter is only a display feature and does not change the calculation.

This tool provides a legal and financial estimate based on its encoded assumptions and the values you enter. Real withholding can depend on the actual order, court proceedings, exemptions, tax levy documents, interest rates, and other facts. The calculator itself marks its legal rules and procedural statements for verification, so its output should not be treated as legal advice.

Frequently Asked Questions

How does the calculator determine disposable earnings?

It subtracts entered federal income tax, Kansas income tax, Social Security and Medicare, mandatory retirement, and other required withholding from gross pay. If required deductions exceed gross pay, they are capped at gross pay. Voluntary deductions do not reduce disposable earnings in the calculation.

What happens below the $217.50 weekly floor?

For the ordinary consumer and private student loan judgment calculation, the amount above the protected floor becomes zero when weekly disposable earnings do not exceed $217.50. Because the ordinary cap uses the smallest applicable limit, this produces zero withholding under that branch.

What does the sickness checkbox do?

The sickness checkbox sets the calculator's ordinary consumer-style garnishment cap to zero. That affects consumer or contract judgments and private student loan judgments, including the consumer-judgment step in Stack mode. The implemented code does not use the checkbox to zero support, IRS, KDOR, federal student loan, or Chapter 13 withholding.

How does the calculator choose the support percentage?

The default support ceiling is 50% of disposable earnings. If Written request above 50% is selected, the calculator uses 55% with a second family or 60% without one. Selecting arrears of at least 12 weeks adds 5 percentage points, with the rate capped at 65%.

What does entering $0 for Amount demanded mean?

In Single order mode, zero causes the calculator to use the maximum produced by the selected order type's calculation. If a positive demanded amount is below that cap, the calculator uses the lower entered amount. Entering more than the calculated cap does not increase withholding beyond the cap.

Does existing support reduce the ordinary judgment cap?

No. Support already withheld is read and displayed by the calculator, but the ordinary judgment formula does not subtract it. Other non-support garnishments do reduce the available room because the calculator subtracts them from the 25% aggregate ceiling.

What happens if a payoff payment is too small to cover interest?

The calculator reports that the balance never amortizes when periodic withholding is less than or equal to the interest accruing on the starting balance for one pay period. It does not provide a payoff-period count in that case. A zero withholding amount likewise produces no payoff estimate.

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