Alaska Wage Garnishment Calculator

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Alaska Wage Garnishment Calculator

How much an Alaska paycheck can lose to a judgment, support order, IRS levy, student loan or Chapter 13 plan. AS 09.38.030, AS 25.27, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): residents get the AS 09.38.030(a) earnings exemption – weekly net earnings exempt up to the statutory $350 as adjusted by the court (form CIV-530 shows the current adjusted figure; $473 per week used here) – raised to $743 per week with a sworn affidavit that these earnings alone support the household (form CIV-531). Nonresidents get the federal CCPA limits instead (AS 09.38.030(d)): 25% of disposable earnings or the amount above 30x the federal minimum wage ($217.50 weekly), whichever is less. The resident exemption and the CCPA cap both apply, so the smaller garnishment controls. The earnings exemption does not apply to support, tax, restitution or bankruptcy-plan claims (AS 09.38.030(c), (f), (g) and 09.38.050). Child support withholding is capped at 40% of net disposable income, or 50% when the order includes medical support. Alaska has no individual income tax, so there is no state wage levy. IRS levies and Chapter 13 plans sit outside the 25% cap. No discharge for one garnishment (15 U.S.C. 1674).

1. Mode, location and pay date

Stack uses the order boxes in section 3.
Context only; garnishment floors use the federal $7.25.
Alaska has no counties; venue follows the court of judgment.
AS 09.38.030 divides monthly net by 4.3 and semi-monthly by 2.17.
Select a borough or census area to see the venue note and the statewide exemption figures.

2. Gross pay and legally required withholding

Includes bonuses and commissions.
Alaska has no individual income tax.
AS 09.38.030(a) also subtracts sums required by court order.
Take-home only; not in the garnishment base.

3. Order type and amounts

No state tax type: Alaska has no individual income tax.
0 applies the statutory maximum.
Reduces the 25% aggregate room.
Shares the 25% ceiling.
0 uses $473, or $743 with the sole-support affidavit. Enter the figure printed on your CIV-530 notice.

4. Balance and payoff

Alaska post-judgment rate is 10.5% (AS 09.30.070 – VERIFY).

How it works

  • Net / disposable = gross minus sums required by law or court order to be withheld; voluntary shown separately.
  • Weekly conversion = 52 / periods; AS 09.38.030(a) itself divides monthly net by 4.3 and semi-monthly by 2.17.
  • Residents: weekly net above the adjusted exemption ($473, or $743 with the sole-support affidavit) is reachable, but only up to the CCPA caps and only for non-support, non-tax, non-plan claims.
  • Nonresidents: CCPA only – 25% of disposable or above $217.50 weekly, whichever is less.
  • Consumer cap = least of 25% of disposable, above-floor amount and resident exemption room, then reduced by support and other garnishments.
  • Support = lesser of ordered and 40% of disposable (50% with medical support).
  • Student loan = lesser of 15% disposable and above the federal floor.
  • IRS = disposable above the Pub 1494 exempt amount; no 25% cap.
  • Stack applies ceilings in priority 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

  • AS 09.38.030 (earnings and liquid asset exemptions, nonresident CCPA rule, bankruptcy and restitution exceptions) and AS 09.38.050: akleg.gov
  • Alaska Court System CIV-530 notice of garnishment and notice of right to exemptions, 8 AAC 95.030, and CIV-531 claim of exemption: public.courts.alaska.gov
  • 15 U.S.C. 1671-1677 and DOL Fact Sheet 30: dol.gov
  • Alaska Child Support Enforcement employer wage withholding FAQ (40% / 50% with medical support): childsupport.alaska.gov
  • Alaska Civil Rule 90.3 (guideline percentages and adjusted income cap): courts.alaska.gov
  • Alaska Department of Labor wage and hour (minimum wage $13.00 from 7/1/2025, $14.00 from 7/1/2026): labor.alaska.gov
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19: studentaid.gov
  • Alaska Law Help claim of exemption guide: alaskalawhelp.org

Test cases

TC1 Anchorage, 2026, weekly, resident. Gross $1,000.00; required $201.50; net $798.50. CCPA caps $199.63 / $581.00; exemption room $798.50 minus $473.00 = $325.50. Withheld $199.63, take-home $598.88, 25.00%. $6,000 at 9% clears in 31 weeks, total $6,188.38, interest $188.38.
TC2 Kenai Peninsula, 2026, weekly, resident. Gross $700.00; required $140.00; net $560.00. CCPA would allow $140.00, but the resident exemption leaves only $560.00 minus $473.00. Withheld $87.00, take-home exactly $473.00. With the sole-support affidavit the exemption is $743.00 and withholding falls to $0.00.
TC3 Fairbanks North Star, 2026, biweekly. Gross $2,400.00; required $560.00; disposable $1,840.00. Child support with medical support, ceiling 50% = $920.00; ordered $800.00. Withheld $800.00; without medical support the 40% ceiling $736.00 binds and withheld is $736.00, take-home $1,104.00.
TC4 Matanuska-Susitna, 2026, biweekly, stack, resident. Gross $2,400.00; required $560.00; disposable $1,840.00. Support $300.00; no IRS or student loan order; consumer requested $400.00 but the 25% aggregate room is $460.00 minus $300.00 = $160.00, and exemption room is $894.00. Consumer $160.00, total $460.00, take-home $1,380.00.
TC5 Juneau, 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; the resident earnings exemption does not apply to federal AWG. 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 adjusted weekly exemption ($473 / $743 as printed on form CIV-530 (8/24)), the statutory $350 base and $1,400 liquid asset base, the 40% / 50% support ceilings, the exceptions in AS 09.38.030(c), (f), (g) and 09.38.050, the Alaska minimum wage schedule and the 10.5% 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, permanent fund dividends, unemployment or workers compensation. Consult an Alaska attorney or Alaska Law Help. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“alaska-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is an Alaska Wage Garnishment Calculator?

An Alaska wage garnishment calculator estimates the amount that may be withheld from one pay period after applying the calculator's disposable-earnings formula, federal limits, Alaska resident exemption, order-specific limits, and any entered garnishment amounts. It also displays estimated take-home pay, weekly and annual withholding, protected income, and the limit that controls the result.

The calculator has three modes. Single Order estimates one selected order. Stacking applies four entered order types in a programmed priority sequence. Payoff Timeline uses the calculated withholding as a recurring payment and estimates how many pay periods are needed to satisfy an entered balance at the selected annual interest rate.

Location is entered as an Alaska borough or census area rather than a county. The selection is required and affects the venue information displayed with the result, but it does not change the calculator's monetary formulas.

How the Alaska Wage Garnishment Calculation Works

The calculation begins with disposable or net earnings. The calculator subtracts federal income tax, Social Security and Medicare, mandatory retirement or court-ordered withholding, and other required withholding from gross pay. If those required deductions exceed gross pay, the calculator limits them to gross pay.

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

Here, G is gross pay for the period, R is total required withholding, and D is disposable earnings. Voluntary deductions are not included in this formula. The calculator subtracts them later when estimating take-home pay.

Pay frequency determines how a weekly amount is converted to the current pay period. The code uses 52 periods for weekly pay, 26 for biweekly pay, 24 for semimonthly pay, and 12 for monthly pay.

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

N is the number of pay periods per year, and w is the number of weeks represented by one pay period. The calculator's federal protected floor is 30 times its encoded $7.25 federal minimum wage, or $217.50 per week.

F=217.50×wF=217.50\times w

For an Alaska resident, the calculator also applies a weekly earnings exemption to consumer and private student loan judgments. The default is $473 per week. If the sole-support affidavit box is checked, the calculator uses $743 per week. A positive exemption override replaces either figure.

E=max⁡(D−Xw,0)E=\max\left(D-Xw,0\right)

In this formula, X is the weekly resident exemption and E is the amount remaining above that exemption for the pay period.

For a consumer or contract judgment, including the calculator's private student loan judgment option, the programmed cap for an Alaska resident is the smallest of 25% of disposable earnings, disposable earnings above the federal protected floor, the remaining 25% room after entered support and other garnishments, and the resident exemption room.

Cresident=min⁡(0.25D,max⁡(D−F,0),max⁡(0,0.25D−S−O),E)C_{resident}=\min\left(0.25D,\max(D-F,0),\max(0,0.25D-S-O),E\right)

S is support already withheld and O is other garnishments. For a nonresident, the resident exemption term is not used. If Amount Demanded is greater than zero and below the calculated limit, the smaller demanded amount becomes the withholding.

Other order types use different formulas in the code. Child support and alimony use 40% of disposable earnings, or 50% when the Medical Support Included box is checked. Federal student loan AWG uses the smaller of 15% of disposable earnings and the amount above the federal protected floor.

Wstudent=min⁡(0.15D,max⁡(D−F,0))W_{student}=\min\left(0.15D,\max(D-F,0)\right)

An IRS levy uses disposable earnings above the calculator's estimated exempt amount. Unless the user enters an override, that exempt amount is based on the built-in standard-deduction value for the selected year and filing status, plus $5,300 per dependent and $1,600 for each age-65-or-blind box, divided by the number of pay periods.

EIRS=SD+5300d+1600bNE_{IRS}=\frac{SD+5300d+1600b}{N}
WIRS=max⁡(D−EIRS,0)W_{IRS}=\max(D-E_{IRS},0)

A Chapter 13 payment is converted from the entered monthly plan amount to the current pay frequency and capped at disposable earnings.

W13=min⁡(12MN,D)W_{13}=\min\left(\frac{12M}{N},D\right)

Here, M is the monthly plan payment. A smaller positive Amount Demanded can further reduce the withholding for the order types calculated in Single Order mode.

Worked Example

Consider a weekly Alaska resident paycheck with $1,000 in gross pay and $201.50 in required withholding. Assume a consumer judgment, no existing garnishments, no voluntary deductions, the standard $473 resident exemption, and an Amount Demanded of $0 so the calculator uses its calculated maximum.

Disposable earnings are $798.50. Twenty-five percent is $199.625. The amount above the $217.50 federal floor is $581.00. The amount above the $473 resident exemption is $325.50.

min⁡(199.625,581.00,199.625,325.50)=199.625\min(199.625,581.00,199.625,325.50)=199.625

The calculator therefore displays $199.63 withheld for the week. Estimated take-home pay is $598.88, and the displayed share of disposable earnings withheld is 25.00%. Currency outputs are formatted to two decimal places.

How to Use the Alaska Wage Garnishment Calculator

  1. Select Single Order, Stacking, or Payoff Timeline mode.
  2. Select the year wages are payable, your borough or census area, and your pay frequency.
  3. Leave the Alaska resident box checked if the calculator should apply its resident rules. Use the sole-support affidavit box or exemption override when applicable to the calculation you want to model.
  4. Enter gross pay and the amounts withheld for federal income tax, Social Security and Medicare, mandatory retirement or court-ordered withholding, and other required withholding.
  5. Enter voluntary deductions separately. They affect estimated take-home pay but not the calculator's disposable-earnings base.
  6. Select the order type and enter an Amount Demanded if you want to limit the result below the programmed maximum.
  7. Enter support already withheld and other garnishments when calculating a consumer or private student loan judgment.
  8. Complete the additional fields shown for support, an IRS levy, or a Chapter 13 plan. In Stacking mode, enter the separate support, IRS, student loan, and consumer judgment amounts.
  9. For Payoff Timeline mode, enter the balance owed and annual interest rate.
  10. Check the required acknowledgment and select Calculate.

The primary result is Withheld per Pay Period. The results also show gross and disposable earnings, weekly equivalents, the federal floor, the resident exemption when applicable, order-specific caps, remaining room, annual withholding, estimated take-home pay, the percentage of disposable earnings withheld, and the calculator's identified binding factor.

Important Assumptions and Result Details

The selected pay year has two different roles. The calculator displays an Alaska minimum-wage figure for context, but its garnishment floor always uses the encoded federal rate of $7.25. The selected year also determines which built-in standard-deduction values are used for the IRS levy estimate.

The Alaska resident exemption applies in the code to consumer and private student loan judgments. It is not applied to the calculator's support, federal student loan AWG, IRS levy, or Chapter 13 branches. A nonresident calculation skips the Alaska resident exemption and uses the calculator's federal consumer-judgment limits instead.

For Single Order consumer calculations, Support Already Withheld and Other Garnishments reduce the available 25% room. Those two fields do not directly reduce the formulas for support, IRS levies, federal student loans, or Chapter 13 orders.

Stacking mode uses a separate four-step waterfall: support first, then IRS levy, federal student loan AWG, and consumer judgment. Support is limited by the calculator's 40% or 50% support ceiling. The IRS step uses the remaining disposable earnings above its estimated exempt amount. The student loan step uses the 15% and federal-floor limits based on the original disposable earnings.

In the current stacking code, the consumer step calculates its 25% aggregate room by subtracting the stacked student-loan amount from 25% of original disposable earnings. The stacked support amount is not subtracted from that specific 25% room calculation. The consumer step is also limited by its federal cap, the resident exemption when applicable, and the remaining earnings in the waterfall.

Estimated take-home pay is gross pay minus required withholding, voluntary deductions, and the calculated garnishment or stacked total. The result cannot fall below zero.

T=max⁡(G−R−V−W,0)T=\max(G-R-V-W,0)

V is voluntary deductions and W is the calculated withholding amount.

Numeric entries generally cannot be negative. Gross pay must be greater than zero. Most money fields allow up to $10,000,000, the resident exemption override allows up to $100,000, and Balance Owed allows up to $100,000,000. The annual interest field accepts values from 0% through 40%. IRS dependents are limited to 0 through 20, and the age-65-or-blind entry is limited to 0 through 2.

The calculator does not separately calculate self-employment income, severance, pensions, permanent fund dividends, unemployment, workers' compensation, contested exemption hearings, service-date priority, or automatic-stay effects. Gross pay can include bonuses and commissions, but the code does not apply a separate garnishment formula to those amounts.

How the Payoff Timeline Is Calculated

Payoff mode uses the withholding per period as the recurring payment. For an annual interest rate above zero, the calculator first converts the APR to a periodic rate.

i=APR100Ni=\frac{APR}{100N}

If the recurring payment exceeds one period of interest on the balance, the calculator uses an amortization formula and rounds the required number of periods up to the next whole pay period.

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

B is the balance, P is the payment per period, and n is the number of pay periods. If the payment is no greater than one period's interest, the calculator reports that the balance does not amortize. At 0% interest, it divides the balance by the payment and rounds up.

Frequently Asked Questions

What does disposable earnings mean in this calculator?

Disposable earnings are gross pay minus the deductions the calculator treats as legally required. These include federal income tax, Social Security and Medicare, mandatory retirement or court-ordered withholding, and other required withholding. Voluntary deductions do not reduce this garnishment base and are subtracted later when estimated take-home pay is displayed.

What Alaska resident exemption does the calculator use?

The code uses $473 per week for an Alaska resident by default. Checking the sole-support affidavit option changes that to $743 per week. A positive value entered in Override Adjusted Weekly Exemption replaces those defaults. This resident exemption is used in the consumer and private student loan judgment calculations.

Does pay frequency affect the protected amount?

Yes. The calculator converts weekly limits into the selected pay period using 52 divided by the number of annual pay periods. That makes one weekly unit for weekly pay, two for biweekly pay, about 2.17 for semimonthly pay, and about 4.33 for monthly pay.

What happens when Amount Demanded is zero?

In Single Order mode, zero generally means the calculator uses the maximum produced by the selected order type's programmed limits. A positive amount below that maximum reduces the result. Stacking mode is different: a zero amount in one of its four order fields means no stacked order is entered for that category.

How does medical support change the support calculation?

The calculator uses 40% of disposable earnings as its normal support or alimony ceiling. If the Medical Support Included box is checked, it uses 50% instead. A smaller positive Amount Demanded can reduce the withholding below that ceiling.

Does Alaska's minimum wage change the federal garnishment floor in this calculator?

No. The calculator displays its Alaska minimum-wage value as contextual information, but the programmed garnishment floor uses the federal minimum wage value of $7.25 for every available pay year. The federal protected floor is therefore calculated from 30 times that value.

How accurate is the payoff estimate?

The payoff timeline follows the balance, interest rate, pay frequency, and withholding amount entered or calculated by the tool. It is still an estimate. Changes in withholding, payments, interest, court orders, exemptions, or other case-specific circumstances are not automatically reflected unless the corresponding calculator inputs are changed.

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