Oregon Wage Garnishment Calculator

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Oregon Wage Garnishment Calculator

How much an Oregon paycheck can lose to a wage garnishment, support order, tax levy, student loan or Chapter 13 plan. ORS 18.627, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): Oregon follows the lesser of 25% of disposable earnings OR the amount by which disposable earnings exceed 40 times the federal minimum wage ($290.00 weekly) under ORS 18.627. At or below that floor, wages cannot be garnished. Child support withholding follows CCPA tiers 50/55/60/65% of disposable earnings. Oregon has state income tax. Federal student loan AWG uses 15% with the federal 30x floor. IRS levies use Publication 1494. Post-judgment interest is 9% per annum (ORS 82.010). Oregon has robust exemption protections under Title 18.

1. Mode, county and pay date

Stack uses the order boxes in section 3.
Affects the IRS table; Oregon uses federal $7.25 minimum for garnishment.
Circuit Court venue.
Federal 30x/40x test runs weekly; scaled by 52 / periods.
Select a county to see the venue note and the 40x federal floor figures.

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.
Reduces the 25% aggregate room.
Shares the 25% ceiling.

4. Balance and payoff

Oregon post-judgment interest is 9% (ORS 82.010 – VERIFY).

How it works

  • Disposable = gross minus legally required withholding; voluntary shown separately.
  • Weekly conversion = 52 / periods (1, 2, 2.1667, 4.3333); Oregon 40x test runs weekly.
  • Floor = 40x $7.25 = $290.00 weekly; at or below it wages cannot be garnished.
  • Consumer cap = lesser of 25% of disposable and the above-floor amount, reduced by other garnishments.
  • Support = lesser of ordered and CCPA tier 50/55/60/65% of disposable earnings.
  • Student loan AWG = lesser of 15% disposable and above the federal 30x floor.
  • IRS = disposable above the Pub 1494 exempt amount.
  • Chapter 13 = the confirmed plan payment, capped at disposable earnings.
  • 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

  • ORS 18.627 (Oregon exemptions, 25% or 40x federal minimum wage): oregonlegislature.gov
  • 15 U.S.C. 1671-1677 (Consumer Credit Protection Act): dol.gov
  • DOL Fact Sheet 30 (wage garnishment protections): dol.gov
  • Oregon Bureau of Labor and Industries minimum wage: oregon.gov/boli
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19 (student loan AWG): studentaid.gov
  • ORS 82.010 (9% post-judgment interest): oregonlegislature.gov

Test cases

TC1 Multnomah County, 2026, weekly, consumer judgment. Gross $1,000.00; required $200.00; disposable $800.00. 25% is $200.00. 40x floor is $290.00. Excess is $510.00. Lesser is $200. Withheld $200.00, take-home $600.00. $4,000 at 9% clears in 21 weeks.
TC2 Washington County, 2026, weekly, consumer judgment. Gross $450.00; required $100.00; disposable $350.00. 25% is $70.00. 40x floor is $290.00. Excess is $60.00. Lesser is $60. Withheld $60.00, take-home $290.00.
TC3 Clackamas County, 2026, biweekly, child support. Gross $2,400.00; required $560.00; disposable $1,840.00. 65% = $1,196.00. Withheld $1,196.00, take-home $644.00.
TC4 Lane County, 2026, semimonthly, federal student loan. Gross $2,600.00; required $600.00; disposable $2,000.00. 15% = $300.00. Withheld $300.00, take-home $1,700.00.
TC5 Marion County, 2026, biweekly, stack. Gross $2,400.00; required $560.00; disposable $1,840.00. Sup $300, IRS $200, student $300, consumer $400. Total $700.00, take-home $1,140.00.
Estimates only; not legal advice. All figures VERIFY, including the 25% and 40x federal floor limits of ORS 18.627, the CCPA support tiers, the federal student loan 15% cap, the IRS Pub 1494 exempt amount, and Oregon post-judgment interest rates. 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: contested exemption hearings, automatic stays, self-employment income, bonuses, severance, pensions, unemployment or workers compensation. Consult an Oregon attorney or Legal Aid Services of Oregon. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“oregon-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is an Oregon Wage Garnishment Calculator?

An Oregon wage garnishment calculator estimates paycheck withholding by calculating disposable earnings and applying the programmed limit for the selected order type. This calculator uses gross pay, certain required deductions, pay frequency, order details, and related inputs to estimate withholding, protected income, take-home pay, and other result figures.

The calculator has three modes. Single order mode calculates one selected order. Stacking mode produces a separate priority waterfall for support, an IRS levy, federal student loan withholding, and a consumer judgment. Payoff timeline mode uses the calculated periodic withholding to estimate how many pay periods an entered balance may take to satisfy.

For ordinary consumer and private student loan judgments, the code uses an Oregon 40-times floor. Federal student loan AWG uses a separate 30-times federal floor. Support, IRS levy, and Chapter 13 calculations follow their own programmed methods.

How the Oregon Wage Garnishment Calculation Works

The calculation begins with gross pay for the selected pay period. The current code subtracts federal income tax, Social Security and Medicare, mandatory retirement, and Other required withholding. Required withholding cannot exceed gross pay.

D=max⁡(0,G−min⁡(G,R))D=\max\left(0,G-\min(G,R)\right)

D is disposable earnings, G is gross pay, and R is the total of the required-withholding fields actually used by the calculation. Voluntary deductions are not part of this formula.

The calculator uses 52 periods for weekly pay, 26 for biweekly pay, 24 for semimonthly pay, and 12 for monthly pay. It converts disposable earnings to a weekly amount before applying the Oregon 40-times floor.

Dweekly=D52/PD_{weekly}=\frac{D}{52/P}
FOR=40×7.25=290.00F_{OR}=40\times7.25=290.00

P is the number of pay periods per year. For consumer and private student loan judgments, the amount above the Oregon floor for the current pay period is:

HOR=max⁡(0,D−290×52P)H_{OR}=\max\left(0,D-290\times\frac{52}{P}\right)

Consumer and private student loan judgments

The code compares 25% of disposable earnings, the amount above the Oregon 40-times floor, and the remaining 25% room after Other garnishments.

C=min⁡(0.25D,HOR,max⁡(0,0.25D−O))C=\min\left(0.25D,H_{OR},\max(0,0.25D-O)\right)

C is the calculated cap and O is Other garnishments. A zero Amount demanded tells the single-order calculation to use the full cap. A positive demanded amount below the cap limits withholding to that smaller amount.

W={C,A=0min⁡(A,C),A>0W=\begin{cases}C,&A=0\\\min(A,C),&A>0\end{cases}

W is withholding for the period and A is Amount demanded.

Support withholding

Child support and spousal support use 50% of disposable earnings when the second-family box is selected and 60% when it is not. Selecting arrears of 12 weeks or older adds five percentage points.

Csupport=rD,r∈{0.50,0.55,0.60,0.65}C_{support}=rD,\qquad r\in\{0.50,0.55,0.60,0.65\}

The Amount demanded field can reduce the result when it is positive and below the calculated ceiling. A zero amount applies the full programmed ceiling.

Federal student loan AWG

Federal student loan AWG does not use Oregon's 40-times consumer floor. The code separately calculates the amount above 30 times $7.25, or $217.50 weekly, and compares it with 15% of disposable earnings.

H30=max⁡(0,D−217.50×52P)H_{30}=\max\left(0,D-217.50\times\frac{52}{P}\right)
Cstudent=min⁡(0.15D,H30)C_{student}=\min(0.15D,H_{30})

A positive Amount demanded below that cap becomes the withholding amount. Otherwise, the calculated cap is used.

IRS levy estimate

For an IRS levy, a positive Override exempt amount is used directly. Otherwise, the code estimates an exempt amount from the selected year, filing status, dependents, and age-65-or-blind count.

E=B+5300d+1600aPE=\frac{B+5300d+1600a}{P}
CIRS=max⁡(0,D−E)C_{IRS}=\max(0,D-E)

E is the estimated exempt amount per pay period. B is the programmed filing-status base, d is the dependent count, and a is the age-65-or-blind count. The calculation converts those count inputs to whole numbers and limits the age-or-blind count to two.

Pay yearSingle / MFSHead of householdMarried filing jointly
2024$14,600$21,900$29,200
2025$15,750$23,625$31,500
2026$16,100$24,150$32,200

These are the values stored in the calculator code. The calculator labels its Publication 1494 method as an estimate that should be verified.

Chapter 13 plan

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

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

M is the entered monthly plan payment. A positive Amount demanded below this calculated amount further limits the withholding.

Worked example

Suppose weekly gross pay is $1,000 and the required-withholding fields used by the calculation total $200. Disposable earnings equal $800. For a consumer judgment with no Other garnishments, 25% of disposable earnings is $200, while the amount above Oregon's $290 weekly floor is $510.

D=1000−200=800D=1000-200=800
C=min⁡(0.25×800,800−290,200)=min⁡(200,510,200)=200C=\min(0.25\times800,800-290,200)=\min(200,510,200)=200

With Amount demanded set to zero, the calculator displays $200.00 withheld for that period. With no voluntary deductions, take-home pay is $1,000 minus $200 of required withholding and $200 of garnishment, or $600.00.

Payoff timeline calculation

Payoff mode treats the calculated withholding as a recurring payment. The annual interest percentage is first converted to a rate per pay period.

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

For a positive APR, the calculator checks whether the payment exceeds one period of interest on the starting balance. If it does, the number of periods is calculated and rounded upward.

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 period, and n is the number of periods. For a positive APR, the displayed Total paid equals n × Q, and Interest paid equals that total minus the starting balance. At 0% APR, the code instead reports the original balance as total paid and zero interest.

How to Use the Oregon Wage Garnishment Calculator

  1. Select Single order, Stacking, or Payoff timeline mode.
  2. Select the year wages are payable, an Oregon county, and your pay frequency.
  3. Enter gross pay for the period and the paycheck withholding fields shown in the calculator.
  4. Enter voluntary deductions separately. The calculator uses them for take-home pay, not its disposable-earnings base.
  5. Select an order type and enter Amount demanded, Support already withheld, and Other garnishments when applicable.
  6. Complete the extra fields that appear for support, an IRS levy, or a Chapter 13 plan.
  7. In Stacking mode, enter the separate support, IRS levy, federal student loan AWG, and consumer judgment amounts.
  8. In Payoff timeline mode, enter Balance owed and Interest per year.
  9. Check the required acknowledgment and select Calculate.

The main result is Withheld per pay period. The results also show weekly and annual withholding, disposable earnings, required withholding, floor-based room, the 25% figure, the order-specific cap, estimated take-home pay, withholding as a percentage of disposable earnings, and a binding-factor description. Currency results are displayed in U.S. dollars with two decimal places, and the percentage result uses two decimal places.

Important Details When Reading Your Result

The Oregon income tax field is not used in disposable earnings

The interface contains an Oregon income tax input and validates its numeric range. However, the current calculation function does not include that field in required withholding. Changing only the Oregon income tax amount therefore does not change disposable earnings, the calculated garnishment, or displayed take-home pay.

The required-withholding calculation actually subtracts federal income tax, Social Security and Medicare, mandatory retirement, and Other required withholding.

Voluntary deductions are separate

Voluntary deductions do not reduce the calculator's garnishment base. They are subtracted later when take-home pay is calculated. If the resulting take-home calculation would be negative, the calculator displays $0.00.

Existing support and the consumer cap use different calculations

The displayed Room remaining figure subtracts both Support already withheld and Other garnishments from 25% of disposable earnings. The consumer-cap function itself subtracts only Other garnishments. As a result, entering existing support can lower the displayed Room remaining figure without lowering the consumer or private student loan judgment cap used by the current code.

The Oregon 40-times floor and federal student loan floor are different

Consumer and private student loan judgments use the programmed Oregon 40-times floor of $290 weekly. Federal student loan AWG instead uses a separate 30-times calculation of $217.50 weekly. One displayed student-loan explanation calls its threshold “30x” but inserts the calculator's $290 Oregon floor figure into that sentence. The underlying student-loan cap calculation itself uses the separate 30-times amount.

The main floor badge is also based on the Oregon 40-times test regardless of the selected order type. This means the badge can describe wages as below the Oregon floor even when another selected order type is calculated under a different rule.

Stack mode uses four order inputs

The mode selector describes stacking as “five order types,” but the visible stack section contains four amount boxes: Support, IRS levy, Federal student loan AWG, and Consumer judgment. The calculation processes those four amounts in that order.

Support is limited by its support percentage and remaining disposable earnings. The IRS step then uses the remaining disposable amount above its estimated exemption. The federal student loan step uses its 15% and 30-times cap based on the original disposable earnings. Unlike the consumer step, the student loan amount is not separately reduced to the remaining earnings after earlier stack items.

The consumer step is limited by its consumer cap and the amount remaining at that point. The calculator then adds all four stack amounts. Displayed take-home after the waterfall cannot fall below $0.00.

Stack mode and the headline result are separate

Choosing Stacking mode does not replace the normal single-order calculation. The main Withheld per pay period result still comes from the regular Order type and Amount demanded fields. The Priority waterfall panel displays the separate stack calculation. Stack mode also displays the payoff panel and uses the stack total as its periodic payoff payment.

Validation and payoff assumptions

Gross pay must be greater than zero, a county must be selected, and the acknowledgment checkbox must be checked. Most monetary inputs allow values from $0 through $10,000,000. Balance owed allows up to $100,000,000. IRS dependents allow 0 through 20, and the Age 65 or blind input allows 0 through 2.

The APR field defaults to 9% and accepts values from 0% through 40%. The calculator itself marks the stated Oregon post-judgment interest figure for verification, so the default should be treated as an input assumption rather than a guaranteed rate for a particular balance.

This calculator provides estimates only. Actual withholding may depend on the controlling order, exemptions, court or agency procedure, applicable law, and facts not represented by the calculator. Verify the legal figures and your entered assumptions before relying on the result for an actual garnishment.

Frequently Asked Questions

What are disposable earnings in this calculator?

Disposable earnings are gross pay minus the required-withholding fields actually used by the calculation. Those fields are federal income tax, Social Security and Medicare, mandatory retirement, and Other required withholding. Voluntary deductions are excluded and are applied later when take-home pay is displayed.

Does the Oregon income tax field affect the result?

No. The current calculation code does not include the Oregon income tax field in its required-withholding total. The input is present and its numeric range is validated, but changing that field alone does not change disposable earnings or the calculated withholding.

What does entering $0 for Amount demanded do?

In the regular single-order calculation, $0 tells the calculator to use the full cap produced for the selected order type. A positive amount below that cap reduces the withholding. In the stack section, zero works differently: a zero order amount means no requested withholding for that stack category.

Why does pay frequency change the result?

Pay frequency changes the number of periods per year and the conversion between per-period and weekly earnings. It therefore affects the Oregon 40-times floor per period, the federal 30-times student-loan floor, the IRS exemption estimate, Chapter 13 conversion, annual figures, and the payoff timeline.

How does Stack mode work?

Stack mode creates a separate waterfall using four entered amounts. It processes support first, followed by the IRS levy, federal student loan AWG, and consumer judgment. Its Total withheld and Take-home after waterfall figures appear in their own results panel, separate from the normal single-order headline result.

What happens if a payoff payment does not cover the interest?

If the APR is above zero and the periodic payment is less than or equal to one period of interest on the starting balance, the calculator does not produce a payoff period count. It reports that the payment does not cover accruing interest and that the balance never amortizes under those inputs.

Does choosing a different Oregon county change the numerical formula?

No. County selection is required and is used in the result heading, region note, and Circuit Court venue text. The numerical calculation functions do not apply different withholding formulas by county. The list provides several named counties plus an Other Oregon county option for the state's 36 counties.

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