Nevada Wage Garnishment Calculator

Pri Geens

Pri Geens

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Nevada Wage Garnishment Calculator

How much a Nevada paycheck can lose to a writ of garnishment, support order, IRS levy, student loan or Chapter 13 plan. NRS 31.295, NRS 31A, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): an ordinary wage garnishment takes the lesser of a percentage of weekly disposable earnings – 18% when the debtor’s gross weekly wage at the date the most recent writ issued was $770 or less, otherwise 25% – or the amount by which weekly disposable earnings exceed 50 times the federal minimum wage ($362.50); at or below that floor nothing is withheld (NRS 31.295). Support withholding uses the statute’s tiers: 50% or 60% of disposable earnings, plus 5% when arrears exceed 12 weeks (55% / 65%). Nevada has no individual income tax, so no state wage levy exists; IRS levies use Publication 1494 and sit outside the state caps, as do Chapter 13 plans. Federal student loan AWG uses 15% with the federal 30x floor. Judgment interest runs at the prime rate plus 2%, adjusted each January 1 and July 1 (NRS 17.130(2); 8.75% for actions filed on or after July 1, 2026 per court notices). Employers may deduct up to $3 per support withholding (NRS 31A.090). 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 floor uses federal $7.25.
Justice or District Court venue.
NRS 31.295 tests run weekly; scaled by 52 / periods.
Select a county to see the venue note, the 18% / 25% tiers and the 50x federal floor.

2. Gross pay and legally required withholding

Weekly gross at writ issuance sets the 18% or 25% tier.
Nevada has no individual income tax.
Voluntary 401(k) excluded.
Take-home only; not in the garnishment base.

3. Order type and amounts

No state tax type: Nevada has no individual income tax.
0 applies the statutory maximum.
Informational; support sits outside the 25% aggregate.
Shares the 25% ceiling.

4. Balance and payoff

Prime plus 2% under NRS 17.130(2), adjusted Jan 1 and Jul 1; 8.75% entered for actions filed on or after 7/1/2026 (VERIFY).

How it works

  • Disposable = gross minus legally required withholding; voluntary shown separately.
  • Weekly conversion = 52 / periods (1, 2, 2.1667, 4.3333); NRS 31.295 tests run weekly.
  • Tier test on weekly gross at writ issuance: $770 or less = 18% of disposable; above = 25%.
  • Floor = 50x $7.25 = $362.50 weekly; at or below it nothing is withheld.
  • Consumer cap = least of the tier cap, the above-floor amount and the CCPA 25% aggregate room after other garnishments.
  • Support = lesser of ordered and the NRS tier 50 / 55 / 60 / 65% of disposable.
  • Student loan = lesser of 15% disposable and above the federal 30x floor.
  • IRS = disposable above Pub 1494 exempt; no Nevada income tax means no state wage levy.
  • Stack applies precedence in order and the 25% aggregate on non-support, non-tax orders.
  • Payoff amortizes at the entered prime-plus-2% rate and flags non-amortizing or zero-withholding cases.

Sources

  • NRS 31.295 (18% tier at $770 gross weekly or less, 25% tier, 50x federal minimum wage floor, support tiers 50-65%): nevada.public.law and leg.state.nv.us
  • NRS 31A.090 (support withholding, $3 employer fee): dss.nv.gov
  • NRS 17.130 (judgment interest at prime plus 2%, adjusted January 1 and July 1): leg.state.nv.us and washoecourts.com
  • Nevada Labor Commissioner minimum wage ($12.00 from July 1, 2024): labor.nv.gov
  • 15 U.S.C. 1671-1677 and DOL Fact Sheet 30: dol.gov
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19: studentaid.gov

Test cases

TC1 Clark County, 2026, weekly, gross above the tier line. Gross $1,000.00; required $200.00; disposable $800.00. 25% tier $200.00; 50x floor room $800.00 minus $362.50 = $437.50. Withheld $200.00, take-home $600.00, 25.00%. $4,000 at 8.75% clears in 21 weeks, total $4,200.00, interest $200.00.
TC2 Washoe County, 2026, weekly, low-wage tier. Gross $700.00 (at or below $770); required $140.00; disposable $560.00. The 18% tier gives $100.80 against floor room $197.50. Withheld $100.80, take-home $459.20, 18.00%.
TC3 Nye County, 2026, weekly. Gross $400.00; required $80.00; disposable $320.00, at or below the 50x floor of $362.50. Withheld $0.00; the 18% tier would have allowed $57.60 had the floor not barred it.
TC4 Elko County, 2026, biweekly. Gross $2,400.00; required $560.00; disposable $1,840.00. Child support, no second family, arrears 12 weeks or older: 65% tier $1,196.00; ordered $1,200.00. Withheld $1,196.00, take-home $644.00.
TC5 Lyon County, 2026, biweekly, stack. Gross $2,400.00; required $560.00; disposable $1,840.00. Support $300.00; no IRS order; consumer requested $400.00 within the 25% tier cap $460.00, floor room $1,115.00 and aggregate room $460.00. Consumer $400.00, total $700.00, take-home $1,140.00.
Estimates only; not legal advice. All figures VERIFY, including the $770 gross weekly tier test and its measurement date, the 50x federal floor of NRS 31.295, the support tiers and $3 employer fee, the absence of a Nevada income tax levy, justice and district court jurisdiction limits, exemption claim deadlines and the current prime-plus-2% judgment rate under NRS 17.130. 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 offsets. Consult a Nevada attorney or the Legal Aid Center of Southern Nevada. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“nevada-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is a Nevada Wage Garnishment Calculator?

A Nevada wage garnishment calculator estimates the amount that can be withheld from earnings after accounting for legally required deductions and the limits associated with the selected order type. This calculator converts each pay period to a weekly basis where needed, applies the encoded percentage or protected-income limits, and shows the estimated withholding and take-home amount.

The calculator supports three modes: a single order, a four-order stacking calculation, and a payoff timeline. For an ordinary consumer or private student loan judgment, it compares an 18% or 25% disposable-earnings tier with a protected wage floor and available 25% aggregate room. Other order types use separate calculations.

The selected Nevada county is used for the displayed venue information, but it does not change the calculator's numerical garnishment formula. The wage year affects contextual values and the IRS exemption estimate. The ordinary Nevada protected floor in the code continues to use a $7.25 federal minimum wage figure.

How the Nevada Wage Garnishment Calculation Works

The calculator first determines disposable earnings. It adds federal income tax, Social Security and Medicare, mandatory retirement, and other required withholding. If those deductions exceed gross pay, the required-withholding total is capped at gross pay. Voluntary deductions are not subtracted when calculating disposable earnings.

Disposable earnings=Gross pay−Legally required withholding\text{Disposable earnings}=\text{Gross pay}-\text{Legally required withholding}

Pay-period values are converted to weekly amounts using the number of pay periods per year. The calculator uses 52 periods for weekly pay, 26 for biweekly pay, 24 for semimonthly pay, and 12 for monthly pay.

Weekly earnings=Period earnings×Periods per year52\text{Weekly earnings}=\text{Period earnings}\times\frac{\text{Periods per year}}{52}

For a consumer judgment or private student loan judgment, weekly gross pay determines the percentage tier. The calculator uses 18% when weekly gross pay is $770 or less and 25% when weekly gross pay is above $770. It also protects the portion of weekly disposable earnings up to 50 times the encoded $7.25 federal minimum wage, which equals $362.50 per week.

Ordinary cap=min⁡(rD, max⁡(Dw−362.50,0)×W, max⁡(0,0.25D−Go))\text{Ordinary cap}=\min\left(rD,\ \max(D_w-362.50,0)\times W,\ \max(0,0.25D-G_o)\right)

Here, D is disposable earnings for the pay period, Dw is weekly disposable earnings, W is the number of weeks represented by the pay period, Go is other non-support garnishment already entered, and r is either 18% or 25%. If an amount demanded is entered and is lower than the calculated cap, the calculator uses that lower amount. Entering zero applies the calculated maximum.

For example, the calculator's weekly test case uses $700 gross pay and $140 of required withholding. Disposable earnings are $560. Because weekly gross is at or below $770, the 18% tier produces $100.80. The amount above the $362.50 protected floor is $197.50. The smaller applicable amount is therefore $100.80, leaving $459.20 before any voluntary deductions.

Calculations for Other Order Types

Child support and alimony use a separate ceiling. The calculator applies 50% of disposable earnings when the second-family box is checked or 60% otherwise. If the arrears box is checked, it adds five percentage points, producing a 55% or 65% ceiling. A lower entered order amount is used when applicable.

Support withholding=min⁡(Ordered amount, sD)\text{Support withholding}=\min\left(\text{Ordered amount},\ sD\right)

For federal student loan administrative wage garnishment, the calculator takes the lesser of 15% of disposable earnings and the amount above a weekly floor equal to 30 times $7.25. A lower demanded amount can reduce the result.

Student loan cap=min⁡(0.15D, max⁡(Dw−217.50,0)×W)\text{Student loan cap}=\min\left(0.15D,\ \max(D_w-217.50,0)\times W\right)

For an IRS levy, the code estimates a per-period exempt amount from the selected year's filing-status amount, $5,300 per dependent, and $1,600 per age-65-or-blind box. The total annual exemption estimate is divided by the number of pay periods. An entered exemption override greater than zero replaces that estimate.

IRS withholding=max⁡(0, D−Exempt amount per period)\text{IRS withholding}=\max\left(0,\ D-\text{Exempt amount per period}\right)

For Chapter 13, the entered monthly plan payment is converted to the selected pay frequency and capped at disposable earnings. The code calculates the per-period plan amount as the monthly payment multiplied by 12 and divided by the number of pay periods per year.

Payoff Timeline Formula

In payoff mode, the calculator applies the withholding amount as a payment against the entered balance. For a positive interest rate, it converts the annual percentage rate to a rate per pay period and calculates the number of payments needed. The result is rounded up to a whole pay period.

i=APR/100Periods per yeari=\frac{\text{APR}/100}{\text{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

In this formula, B is the balance and P is the withholding per period. If the payment does not exceed the interest accruing during one period, the calculator reports that the balance does not amortize. With a 0% entered rate, it instead divides the balance by the payment and rounds up to the next whole period.

How to Use the Nevada Wage Garnishment Calculator

  1. Choose Single order, Stacking - four order types, or Payoff timeline.
  2. Select the wage year, Nevada county or Carson City, and pay frequency.
  3. Enter gross pay for the period and the applicable legally required withholding amounts.
  4. Enter voluntary deductions if you want them reflected in the displayed take-home amount.
  5. Select the order type and enter the amount demanded per period if there is a specific amount. A zero demanded amount tells single-order calculations to use the calculated maximum.
  6. Complete any fields that appear for support, an IRS levy, or a Chapter 13 plan. In stacking mode, enter amounts for the applicable support, IRS, student loan, and consumer orders.
  7. For payoff mode, enter the balance owed and annual interest percentage.
  8. Check the required acknowledgment that the result is an estimate and that the figures carry a verification flag, then select Calculate.

The main result is the estimated amount withheld per pay period. The calculator also displays weekly and annual equivalents, disposable earnings, protected-income figures, calculated caps, remaining room, take-home pay, the percentage of disposable earnings withheld, and the factor that limited the result. Currency values are displayed to two decimal places.

Understanding the Inputs and Results

The distinction between required and voluntary deductions matters. Federal income tax, Social Security and Medicare, mandatory retirement, and other required withholding reduce the disposable-earnings figure used by the calculator. Health deductions, voluntary retirement contributions, and dues entered in the voluntary field affect the displayed take-home amount but not the garnishment base.

The calculator validates numeric fields against their coded ranges and requires gross pay to be greater than zero. Most dollar inputs allow values from $0 through $10,000,000. The debt-balance field allows up to $100,000,000, the interest field allows 0% through 40%, IRS dependents are limited to 0 through 20, and the age-65-or-blind field is limited to 0 through 2.

Stacking mode uses a priority waterfall in the code. It calculates support first, then an IRS levy, then federal student loan withholding, and finally a consumer judgment. The consumer portion is also limited by the remaining non-support aggregate room. The calculator displays each component, the total withheld, and take-home pay after the waterfall.

The year selector includes 2024, 2025, and 2026. For the calculator's IRS exemption estimate, the code stores filing-status amounts for each of those years. The displayed Nevada minimum wage is contextual and does not replace the $7.25 federal figure used by the calculator's 50-times and 30-times wage-floor formulas.

The interest field is prefilled with 8.75% in the supplied calculator code, but the interface marks that figure for verification. Real garnishment, support, tax, bankruptcy, and judgment-interest outcomes can depend on facts, orders, laws, exemptions, and rates not fully modeled here. The calculator is an estimate and is not legal advice.

Frequently Asked Questions

What does disposable earnings mean in this calculator?

Disposable earnings are gross pay minus the legally required withholding entered in the calculator. The code includes federal income tax, Social Security and Medicare, mandatory retirement, and other required withholding in that subtraction. Voluntary deductions are kept separate and are used only when calculating the displayed take-home amount.

Why does pay frequency matter?

Pay frequency matters because several tests are performed on a weekly basis. The calculator converts weekly, biweekly, semimonthly, or monthly pay to weekly values before applying the gross-pay tier and protected-income floors. It then scales applicable weekly amounts back to the selected pay period.

What happens if I enter zero for the amount demanded?

In single-order calculations, zero means the calculator uses the maximum amount permitted by its formula for the selected order type rather than limiting the result to a smaller demanded amount. In stacking mode, however, a zero entered for one of the four order amounts means no amount is requested for that order.

Does voluntary 401(k) withholding reduce the garnishment base?

No. The calculator's voluntary-deduction field does not reduce disposable earnings. The interface specifically treats voluntary deductions such as health deductions, 401(k) contributions, and dues as take-home adjustments. Mandatory retirement has a separate field and is included with the legally required withholding used to calculate disposable earnings.

How does the calculator handle multiple garnishment orders?

Stacking mode processes four entered order amounts in this coded sequence: support, IRS levy, federal student loan AWG, and consumer judgment. Each step applies its relevant limit and reduces the remaining disposable earnings. The result panel shows the amount assigned to each order and the combined withholding.

Can the calculator estimate how long a garnishment will take to pay off?

Yes. Payoff mode uses the calculated single-order withholding, entered debt balance, annual interest rate, and pay frequency to estimate the number of pay periods. It also displays approximate calendar time, total paid, and interest paid. The calculation flags cases where withholding is zero or the payment does not cover periodic interest.

Does the selected Nevada county change the garnishment amount?

No. In the supplied code, the county selection changes the venue information shown with the result but does not alter the numerical withholding limits. The same encoded wage tiers and protected-income formulas are used for all 16 Nevada counties and Carson City listed in the calculator.

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