Florida Wage Garnishment Calculator

Pri Geens

Pri Geens

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Florida Wage Garnishment Calculator

How much a Florida paycheck can lose to a garnishment, support order, tax levy, student loan or Chapter 13 plan, including the head of family exemption. Fla. Stat. 222.11, 222.12, 77.0305, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): all disposable earnings of a head of family at or below $750 per week are automatically exempt from attachment or garnishment (Fla. Stat. 222.11). A head of family above $750 per week remains fully exempt unless the debtor agreed to garnishment in writing. Everyone else follows the federal CCPA: the lesser of 25% of disposable earnings or the amount above 30 times the federal minimum wage ($217.50 weekly). Head of family means providing more than half of the support for a child or other dependent (Fla. Stat. 222.12 – VERIFY). The exemption does not apply to support withholding, federal or state tax process, or bankruptcy orders. Support follows the CCPA tiers 50 / 55 / 60 / 65% (Fla. Stat. 61.1301). Florida has no individual income tax, so a DOR wage garnishment arises only from non-income tax liabilities and is modeled at 25% of disposable earnings. No discharge for one garnishment (15 U.S.C. 1674).

1. Mode, county and pay date

Stack uses the order boxes in section 3.
Context only; the CCPA floor uses federal $7.25.
County or Circuit Court venue; 67 counties.
Weekly tests scale by 52 / periods.
Select a county to see the venue note, the head of family exemption and the CCPA floor.

2. Gross pay and legally required withholding

Includes bonuses and commissions.
Florida has no individual income tax.
Voluntary 401(k) excluded.
Take-home only; not in the garnishment base.

3. Order type and amounts

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

4. Balance and payoff

Florida post-judgment interest follows the variable rate in Fla. Stat. 55.03 (VERIFY current rate).

How it works

  • Disposable = gross minus legally required withholding; voluntary shown separately.
  • Weekly conversion = 52 / periods (1, 2, 2.1667, 4.3333); the $750 and 30x tests run weekly.
  • Head of family at or below $750 weekly disposable: fully exempt, no exceptions.
  • Head of family above $750 weekly: fully exempt unless a written waiver exists; with a waiver the CCPA caps apply.
  • Everyone else: lesser of 25% of disposable and the amount above 30x $7.25 ($217.50 weekly), reduced by other non-support garnishments.
  • Support = lesser of ordered and the CCPA tier 50 / 55 / 60 / 65% of disposable; the head of family exemption does not apply.
  • Student loan = lesser of 15% disposable and above the federal floor.
  • IRS = disposable above Pub 1494 exempt; DOR = modeled at 25% of disposable for non-income tax liabilities; neither is capped at 25% by state law.
  • 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

  • Fla. Stat. 222.11 (head of family wage exemption, $750 weekly automatic exemption) and 222.12 (head of family definition): leg.state.fl.us
  • Fla. Stat. 77.0305 and 77.031 (continuing writ of garnishment, exemption claim procedure): leg.state.fl.us
  • Fla. Stat. 61.1301 (income withholding for support): leg.state.fl.us
  • 15 U.S.C. 1671-1677 and DOL Fact Sheet 30: dol.gov
  • Florida Department of Revenue child support withholding and collections: floridarevenue.com
  • Florida minimum wage ($12.00 / $13.00 / $14.00 with September 30 steps to $13.00 / $14.00 / $15.00): floridajobs.org
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19: studentaid.gov
  • Fla. Stat. 55.03 (post-judgment interest): leg.state.fl.us

Test cases

TC1 Miami-Dade County, 2026, weekly, not head of family. 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 8% clears in 21 weeks, total $4,200.00, interest $200.00.
TC2 Orange County, 2026, weekly, head of family. Gross $900.00; required $200.00; disposable $700.00 weekly, at or below $750.00. Withheld $0.00 – the exemption is automatic with no exceptions.
TC3 Hillsborough County, 2026, weekly, head of family above the threshold, no written waiver. Gross $1,500.00; required $300.00; disposable $1,200.00 weekly. Withheld $0.00 because Fla. Stat. 222.11 exempts head of family wages above $750 unless the debtor agreed in writing; with a signed waiver the 25% cap would allow $300.00.
TC4 Duval County, 2026, biweekly, head of family. Gross $2,400.00; required $560.00; disposable $1,840.00. Child support, no second family, arrears 12 weeks or older: 65% ceiling $1,196.00; ordered $1,200.00. Withheld $1,196.00, take-home $644.00; the head of family exemption does not reach support.
TC5 Broward County, 2026, biweekly, stack, head of family with written waiver. Gross $2,400.00; required $560.00; disposable $1,840.00. Support $300.00; no IRS or DOR 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 $750 weekly automatic exemption, the head of family definition and written-waiver rule of Fla. Stat. 222.11 and 222.12, the CCPA tiers for support under 61.1301, the DOR modeled 25% for non-income tax liabilities, the continuing writ procedure and claim deadlines under 77.0305 and 77.031, county court jurisdiction limits and the Fla. Stat. 55.03 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 tenancy by the entirety defenses. Consult a Florida attorney or legal aid. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“florida-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is a Florida Wage Garnishment Calculator?

A Florida wage garnishment calculator estimates the amount that may be withheld from a pay period by calculating disposable earnings and then applying the formula for the selected order type. For ordinary judgments, the tool also considers its head of family settings, the federal protected-income floor, existing support, and other garnishments.

The main result is “Withheld per pay period.” The calculator also displays disposable earnings, weekly equivalents, the 25% calculation, income above the federal floor, the selected order's cap, estimated take-home pay, annual withholding, and the percentage of disposable earnings withheld.

Three calculation modes are available. Single order estimates one selected order. Stacking mode calculates a five-step order waterfall. Payoff mode uses the selected order's calculated withholding as a recurring payment against an entered balance.

How the Florida Wage Garnishment Calculation Works

The first step is disposable earnings. The calculator subtracts federal income tax, Social Security and Medicare, mandatory retirement, and other required withholding from gross pay. If these required deductions exceed gross pay, the code limits them to the gross amount. Voluntary deductions are not included in this calculation.

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 the total legally required withholding entered in the calculator.

The calculator converts each pay period into a weekly equivalent because both the head of family test and the federal floor are evaluated on a weekly basis.

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

In this formula, w is the number of weeks in one pay period and N is the number of pay periods per year. The calculator uses 52 for weekly, 26 for biweekly, 24 for semimonthly, and 12 for monthly pay.

Consumer and private student loan judgments

For a consumer judgment or private student loan judgment, the code starts with 25% of disposable earnings. It also calculates the amount of disposable earnings above 30 times the encoded $7.25 federal minimum wage. This creates a weekly protected amount of $217.50.

F=max⁡(0,D−30(7.25)w)F=\max\left(0,D-30(7.25)w\right)

The calculator then reduces the 25% amount by the values entered for support already withheld and other non-support garnishments.

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

Here, S is support already withheld and O is other non-support garnishments. Before applying the head of family rule, the ordinary judgment ceiling is the smaller of the federal-floor room and the remaining 25% room.

C=min⁡(F,Q)C=\min(F,Q)

If the “Head of family” box is checked, the code sets the ordinary judgment result to $0 when weekly disposable earnings are at or below $750. It also sets the result to $0 above $750 unless the written-waiver box is checked. If a head of family has weekly disposable earnings above $750 and the written-waiver box is checked, the ordinary CCPA calculation applies.

A positive “Amount demanded per period” can reduce the final single-order withholding below the calculated ceiling. Entering zero causes the calculator to use its calculated maximum.

Support withholding

Child and spousal support use a separate percentage calculation. The ceiling is 50% of disposable earnings when the second-family box is checked and 60% otherwise. The calculator adds five percentage points when the arrears box is checked.

Cs=rDC_s=rD

The variable r is therefore 0.50, 0.55, 0.60, or 0.65. The head of family rule is not applied to the support branch in the calculator. A positive demanded amount below the calculated support ceiling becomes the withholding amount.

Federal student loan garnishment

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

CAWG=min⁡(0.15D,max⁡(0,D−30(7.25)w))C_{AWG}=\min\left(0.15D,\max\left(0,D-30(7.25)w\right)\right)

The Florida head of family setting does not reduce this calculation in the code. As with other single-order branches, a positive demanded amount can lower the final result.

IRS, Florida DOR, and Chapter 13 calculations

For an IRS levy, the calculator estimates an exempt amount from 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 annual figure to the selected pay frequency.

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

Here, B is the filing-status amount stored in the calculator, d is the number of dependents, a is the number of age-65-or-blind boxes, and N is annual pay periods. If the exemption override is greater than zero, the calculator uses that entered amount instead.

The IRS withholding estimate is disposable earnings above the exemption, never below zero. The Florida DOR branch is modeled at 25% of disposable earnings. The Chapter 13 branch converts the entered monthly plan payment to the selected pay frequency and caps it at disposable earnings.

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

Worked Florida wage garnishment example

Suppose a person who does not claim head of family status is paid weekly. Gross pay is $1,000.00 and required withholding totals $200.00. Disposable earnings are therefore $800.00.

Twenty-five percent of disposable earnings is $200.00. The amount above the $217.50 weekly floor is $582.50. With no existing support or other garnishments entered, the calculator uses the smaller figure: $200.00.

The estimated withholding is therefore $200.00 for the week. With no voluntary deductions entered, take-home after required withholding and garnishment is $1,000.00 − $200.00 − $200.00 = $600.00. The withholding equals 25.00% of disposable earnings.

How the payoff calculation works

In payoff mode, the selected order's withholding becomes the recurring payment applied to the balance. The periodic interest rate is the entered annual rate divided by 100 and by the number of pay periods per year.

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 pay periods, rounded up. If the payment does not exceed one period of starting interest, the calculator reports that the balance does not amortize.

At a 0% entered rate, the calculator divides the balance by the payment and rounds the number of periods up. For a positive rate, displayed total paid equals the rounded number of periods multiplied by the full periodic payment, so the calculation does not reduce the final modeled payment for overpayment.

How to Use the Florida Wage Garnishment Calculator

  1. Select Single order, Stacking, or Payoff timeline.
  2. Choose the pay year, Florida county, and pay frequency.
  3. Select Head of family and Written waiver when those settings apply to the calculation you want to model.
  4. Enter gross pay, federal income tax, Social Security and Medicare, mandatory retirement, and other required withholding.
  5. Enter voluntary deductions separately. The calculator uses them for take-home pay rather than disposable earnings.
  6. Select the order type and enter the demanded amount, existing support, and other garnishments when applicable.
  7. Complete any extra support, IRS, Chapter 13, or stacking fields that appear.
  8. In payoff mode, enter the balance owed and annual interest percentage.
  9. Check the required acknowledgment and select Calculate.

Read the primary result as the calculated withholding for the selected single order. In stacking mode, the primary result still reflects the selected single-order calculation. The separate “Priority waterfall” panel shows the stack amounts and total withholding for all five stack entries.

Important Assumptions and Calculator Behavior

SettingHow the calculator uses it
Head of familyBlocks ordinary consumer and private student loan garnishment at or below $750 weekly disposable earnings. Above $750, it still blocks those orders unless Written waiver is checked.
Written waiverOnly changes the ordinary judgment result when Head of family is checked and weekly disposable earnings exceed $750.
Support already withheldThe current consumer-cap code subtracts this amount from the 25% room used for consumer and private student loan judgments.
Other non-support garnishmentsReduce the remaining 25% room for consumer and private student loan judgments.
Voluntary deductionsReduce displayed take-home pay but do not reduce disposable earnings in the implemented formulas.
CountyControls the venue wording. It does not change the numerical garnishment formula.
Pay yearAffects the calculator's IRS filing-status table and displayed Florida minimum-wage context. The ordinary CCPA floor still uses $7.25 in all three available years.

The code's treatment of “Support already withheld” is worth noticing. The field's helper text describes support as outside the 25% aggregate, but the actual ordinary consumer calculation subtracts the entered support amount from the available 25% room. The numerical result follows the code calculation.

Stack mode processes entries in this order: support, IRS levy, Florida DOR garnishment, federal student loan, and consumer judgment. Support is limited to its support ceiling and remaining disposable earnings. The IRS amount is limited to remaining earnings above its exemption. DOR is limited to 25% of the original disposable earnings and remaining pay.

The federal student loan step is limited by its requested amount, 15% of original disposable earnings, and the federal floor calculation. The current stack code does not separately limit this student-loan step to the amount still remaining after support, IRS, and DOR entries. With unusually large preceding orders, the internal remaining amount can therefore become negative. Final displayed take-home pay is still floored at $0.00.

The consumer step comes last. It is limited by the requested consumer amount, the consumer cap, remaining earnings, and the unused portion of the 25% non-support ceiling after the federal student loan amount. The consumer cap also uses the separate existing-support and other-garnishment fields if values are entered there.

Most money fields allow values from $0 to $10,000,000. The balance field allows up to $100,000,000. The interest field allows 0% to 40%, dependents allow 0 through 20, and age-65-or-blind boxes allow 0 through 2. Gross pay must be greater than zero. County and the acknowledgment checkbox are required, and balance becomes required in payoff mode.

Money results are displayed with two decimal places. The share of disposable earnings withheld is shown as a percentage with two decimal places. The visual meter is scaled to a 65% reference point and changes appearance at 10% and 25%; those visual thresholds do not create additional withholding limits.

This is a legal and financial estimate based on the assumptions programmed into the calculator. Actual withholding may depend on the governing order, exemption status, court or agency action, payroll treatment, current law, and other facts that the tool does not model. The output should not be treated as legal advice or a final legal determination.

Frequently Asked Questions

What are disposable earnings in this calculator?

Disposable earnings are gross pay minus the required deductions entered into the calculator. These are federal income tax, Social Security and Medicare, mandatory retirement, and other required withholding. Voluntary deductions are kept separate. If required withholding exceeds gross pay, the calculator caps it at gross pay so disposable earnings cannot become negative.

How does the head of family setting affect the result?

It can reduce an ordinary consumer or private student loan judgment to $0. If weekly disposable earnings are $750 or less, checking Head of family blocks that ordinary garnishment even if Written waiver is also checked. Above $750, the calculator continues to block it unless the Written waiver box is checked.

Does the Florida head of family setting affect child support?

No. The calculator's support branch does not apply the head of family block. Instead, it calculates a ceiling of 50% or 60% of disposable earnings and adds five percentage points when the arrears checkbox is selected. A lower positive demanded amount can reduce the result below that ceiling.

Do voluntary deductions reduce the garnishment base?

No. In this calculator, voluntary deductions such as health deductions, voluntary 401(k) contributions, and dues do not reduce disposable earnings. They are subtracted later when the tool calculates take-home pay. This means the disposable-earnings figure can be higher than the amount actually left after all paycheck deductions.

What happens when the demanded amount is zero?

In single-order mode, zero generally tells the calculator to use the maximum amount produced by the selected order's formula. If you enter a positive demanded amount below the calculated ceiling, the program uses the lower demanded amount. Entering a larger demanded amount does not increase the result beyond the calculated ceiling.

Does the Florida minimum wage change the 30-times floor?

No. The implemented floor calculation always uses the code's $7.25 federal minimum-wage value. The pay-year menu includes Florida minimum-wage information, and the code stores a Florida context value for each year, but that state value is not used to calculate the ordinary 30-times protected-income floor.

What does the payoff timeline estimate?

It estimates the number of pay periods and approximate calendar time needed to satisfy the entered balance using the calculated withholding as the periodic payment. It also displays total paid and interest paid. If withholding is zero, or if a positive-interest payment does not cover one period of starting interest, the calculator does not produce a normal payoff period.

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