New York Wage Garnishment Calculator

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New York Wage Garnishment Calculator

How much a New York paycheck can lose to an income execution, support order, tax levy, student loan or Chapter 13 plan. CPLR 5231, CPLR 5241, FCA 524, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): for a consumer-debt income execution under CPLR 5231, wages are fully exempt when weekly disposable earnings are at or below 30 times the regional minimum wage ($510.00 weekly in New York City, Long Island and Westchester at the 2026 $17.00 rate; $480.00 elsewhere at $16.00); above that floor the execution takes the lesser of 10% of gross wages or 25% of disposable earnings. Non-consumer money judgments use the federal formula: 25% of disposable or the excess over 30 times the federal minimum wage ($217.50). Support withholding follows the CCPA tiers 50 / 55 / 60 / 65% and takes priority. NYS DTF wage levies and IRS levies sit outside the state caps; DTF is modeled at 25% of disposable. Federal student loan AWG uses 15% with the federal floor. Judgment interest runs at 9% (CPLR 5004). No discharge for one garnishment (15 U.S.C. 1674).

1. Mode, region, county and pay date

Stack uses the order boxes in section 3.
Sets the 30x regional minimum wage floor.
Drives the 30x floor for consumer executions.
CPLR 5231 tests run weekly; scaled by 52 / periods.
Sets venue only; the region select sets the wage floor.
Select a county to see the court venue note and the regional floor figures.

2. Gross pay and legally required withholding

The 10% consumer prong runs on GROSS wages.
Include NYC or Yonkers local tax if withheld.
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 aggregate.
Shares the 25% ceiling; executions queue in delivery order.

4. Balance and payoff

New York judgment interest is 9% (CPLR 5004 – VERIFY).

How it works

  • Disposable = gross minus legally required withholding, including NY and local income tax; voluntary shown separately.
  • Weekly conversion = 52 / periods (1, 2, 2.1667, 4.3333); CPLR 5231 tests run weekly.
  • Consumer floor = 30x the regional minimum wage; at or below it the execution takes nothing.
  • Consumer cap = lesser of 10% of gross and 25% of disposable, within the 25% aggregate after other executions.
  • Non-consumer cap = lesser of 25% of disposable and the excess over 30x the federal minimum wage.
  • Support = lesser of ordered and the CCPA tier 50 / 55 / 60 / 65% of disposable, with priority.
  • Student loan = lesser of 15% disposable and above the federal 30x floor.
  • IRS = disposable above Pub 1494 exempt; DTF = modeled at 25% of disposable; neither uses the state caps.
  • Stack applies precedence in order and the 25% aggregate on non-support, non-tax orders.
  • Payoff amortizes at the 9% default and flags non-amortizing or zero-withholding cases.

Sources

  • CPLR 5231 (income execution: 30x regional minimum wage floor, lesser of 10% gross or 25% disposable for consumer debts) and CPLR 5241 (support income execution): nycourts.gov
  • CPLR 5004 (9% interest on judgments): nycourts.gov
  • Family Court Act 524, Social Services Law 111-h and Domestic Relations Law 239 (support withholding, CCPA tiers): nysenate.gov
  • NY Department of Labor minimum wage schedule ($16.00 / $16.50 / $17.00 downstate; $15.00 / $15.50 / $16.00 elsewhere): ny.gov
  • 15 U.S.C. 1671-1677 and DOL Fact Sheet 30: dol.gov
  • NYS Department of Taxation and Finance collections and wage levies: tax.ny.gov
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19: studentaid.gov

Test cases

TC1 New York County, 2026, weekly, consumer execution. Gross $1,000.00; required $200.00; disposable $800.00 above the $510.00 floor. Lesser of 10% gross $100.00 and 25% disposable $200.00. Withheld $100.00, take-home $700.00, 12.50%. $4,000 at 9% clears in 42 weeks, total $4,200.00, interest $200.00.
TC2 Kings County, 2026, weekly, consumer execution. Gross $600.00; required $120.00; disposable $480.00, at or below the $510.00 downstate floor. Withheld $0.00; the execution cannot issue against these wages.
TC3 Erie County, 2026, weekly, non-consumer judgment. Gross $1,000.00; required $200.00; disposable $800.00. The federal formula applies: 25% cap $200.00 against floor room $582.50 over $217.50. Withheld $200.00, take-home $600.00.
TC4 Monroe 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 Nassau County, 2026, biweekly, stack, consumer execution. Gross $2,400.00; required $560.00; disposable $1,840.00. Support $300.00; no IRS or DTF order; execution requested $300.00 but 10% of gross caps it at $240.00 (25% prong $460.00, floor room $820.00). Execution $240.00, total $540.00, take-home $1,300.00.
Estimates only; not legal advice. All figures VERIFY, including the regional minimum wage schedule and the 30x floor, the consumer versus non-consumer distinction under CPLR 5231, the CCPA support tiers under FCA 524 and SSL 111-h, the DTF modeled 25%, execution queuing and modification practice, court jurisdiction limits and the CPLR 5004 9% 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 disputes, contested hearings, automatic stays, self-employment income, bonuses, severance, pensions, unemployment or workers compensation. Consult a New York attorney or Legal Services NYC. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“new-york-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is a New York Wage Garnishment Calculator?

A New York wage garnishment calculator estimates withholding from earnings using gross pay, required deductions, pay frequency, minimum-wage region, order type, and other entered amounts. For a consumer income execution, this tool checks a regional minimum-wage floor, then applies its 10% gross-pay and 25% disposable-earnings limits.

The calculator offers Single order, Stacking - five order types, and Payoff timeline modes. The selected county supplies venue information, while the separate minimum-wage region controls the wage floor used for consumer executions. Supported regions are New York City, Long Island and Westchester, and the rest of New York State.

The selected wage year also matters. The code stores regional minimum wages for 2024, 2025, and 2026 and uses them to calculate the consumer floor. Non-consumer judgments use a separate federal wage floor instead.

How the New York Wage Garnishment Calculation Works

The calculator starts by finding disposable earnings. It adds federal income tax, New York and local income tax, Social Security and Medicare, mandatory retirement, and other required withholding. If those deductions exceed gross pay, the required amount is capped at gross pay.

D=G−min⁡(G,R)D=G-\min(G,R)

Here, D is disposable earnings, G is gross pay for the period, and R is legally required withholding. Voluntary deductions are kept separate.

The code converts each pay period to a weekly basis. It uses 52 periods for weekly pay, 26 for biweekly pay, 24 for semimonthly pay, and 12 for monthly pay.

Dw=D×P52D_w=D\times\frac{P}{52}

Dw is weekly disposable earnings and P is the number of pay periods per year.

Consumer Income Execution Formula

For a consumer income execution, the calculator first checks whether weekly disposable earnings exceed 30 times the regional minimum wage.

FR=30mF_R=30m

Here, m is the stored regional minimum wage and FR is the weekly consumer floor. If weekly disposable earnings are at or below that floor, the coded consumer cap is zero.

If earnings are above the floor, the calculator compares 10% of gross pay with 25% of disposable earnings. It also reduces the available 25% aggregate room by entered other non-support executions.

A=max⁡(0,0.25D−O)A=\max(0,0.25D-O)
Cconsumer={0,Dw≤FRmin⁡(0.10G,0.25D,A),Dw>FRC_{consumer}=\begin{cases}0,&D_w\le F_R\\ \min(0.10G,0.25D,A),&D_w>F_R\end{cases}

O is the amount entered for Other non-support executions. Private student loan judgments follow this same consumer branch in the calculator code.

A positive Amount demanded per period is used when it is below the calculated cap. If the demanded amount is zero, the calculator applies the full coded maximum.

Worked Consumer Example

One built-in test case uses New York County in 2026 with weekly gross pay of $1,000 and $200 of required withholding. Disposable earnings are $800. The calculator's New York City regional wage is $17.00, so its 30-times floor is $510 per week.

Because $800 is above $510, withholding is allowed under the coded threshold. Ten percent of gross pay is $100, while 25% of $800 is $200. With no smaller aggregate room, the calculator withholds $100. It displays $700 take-home before any voluntary deductions and a 12.50% share of disposable earnings withheld.

Non-Consumer Judgment Formula

A non-consumer money judgment uses a different calculation. The code uses a federal weekly floor of 30 times $7.25, or $217.50, and calculates the amount of disposable earnings above that floor.

HF=max⁡(0,Dw−217.50)×52PH_F=\max(0,D_w-217.50)\times\frac{52}{P}
Cnonconsumer=min⁡(0.25D,HF,A)C_{nonconsumer}=\min(0.25D,H_F,A)

The non-consumer calculation therefore considers 25% of disposable earnings, the pay-period amount above the federal floor, and aggregate room after other executions. Unlike the consumer branch, it does not use the 10% gross-pay limit or the regional New York minimum-wage floor.

Support Withholding

Child and spousal support use percentage ceilings based on disposable earnings. The calculator starts at 50% when the Second family box is checked and 60% when it is not. Arrears of 12 weeks or older add five percentage points, giving possible rates of 50%, 55%, 60%, or 65%.

Csupport=sDC_{support}=sD

Here, s is the selected support rate. If a positive demanded amount is lower than that ceiling, the calculator uses the demanded amount instead.

Federal Student Loan AWG

Federal student loan administrative wage garnishment uses 15% of disposable earnings and the same $217.50 federal weekly floor used in the non-consumer calculation.

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

A lower positive demanded amount can reduce the result. In the single-order function, the Other non-support executions field does not reduce this federal student loan cap.

IRS Levy Estimate

A positive IRS exempt-amount override is used directly. Otherwise, the calculator combines a stored filing-status amount with $5,300 for each dependent and $1,600 for each entered age-65-or-blind box. It divides that annual amount by the selected number of pay periods.

E=S+5300N+1600BPE=\frac{S+5300N+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, N is dependents, and B is the age-65-or-blind count. The available filing statuses are Single/MFS, Head of household, and Married filing jointly.

NYS DTF Levy and Chapter 13

The NYS DTF wage levy option is modeled as 25% of disposable earnings. The code does not apply the consumer regional floor or 10% gross limit to this order type.

CDTF=0.25DC_{DTF}=0.25D

For Chapter 13, the calculator converts the entered monthly plan payment to the selected payroll frequency and caps the result at disposable earnings.

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

Payoff Timeline Formula

Payoff mode uses the calculated withholding as the periodic payment. The interest field defaults to 9%. For positive interest, the calculator converts the annual percentage to a per-period rate.

i=APR/100Pi=\frac{\text{APR}/100}{P}
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 and Q is withholding per period. If the payment does not exceed 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 to a whole pay period.

How to Use the New York Wage Garnishment Calculator

  1. Select Single order, Stacking - five order types, or Payoff timeline.
  2. Choose the wage year and minimum-wage region.
  3. Select one of the 62 New York counties. The county controls venue information, not the wage-floor formula.
  4. Select weekly, biweekly, semimonthly, or monthly pay frequency.
  5. Enter gross pay and legally required federal, state or local tax, Social Security and Medicare, mandatory retirement, and other required withholding.
  6. Enter voluntary deductions if you want them reflected in take-home pay.
  7. Select the order type and enter the demanded amount, existing support, and other executions when applicable.
  8. Complete the support, IRS, or Chapter 13 fields that appear for the selected order type.
  9. For Stacking mode, enter the requested support, IRS, DTF, student loan, and consumer execution amounts. Zero means no requested amount for that stack position.
  10. For Payoff mode, enter the balance and annual interest rate.
  11. Check the required acknowledgment and select Calculate.

The main result is Withheld per pay period. The tool also shows withholding per week and per year, gross and disposable earnings, protected-income figures, applicable caps, remaining aggregate room, take-home pay, the percentage of disposable earnings withheld, and the factor identified by the calculator as binding.

Understanding the Inputs and Results

The regional minimum wage changes with both year and region. The code uses $16.00 for New York City, Long Island, and Westchester in 2024, $16.50 in 2025, and $17.00 in 2026. For the rest of New York State, it uses $15.00, $15.50, and $16.00 for those same years.

A key implementation detail is that the regional floor acts as an on-or-off threshold for the consumer calculation. If weekly disposable earnings are at or below the floor, withholding is zero. Once earnings exceed the floor, the code compares 10% of gross pay, 25% of disposable earnings, and aggregate room. It does not separately limit the consumer result to only the exact dollars above the regional floor.

The Support already withheld field is informational in the single-order consumer calculation. Other non-support executions do reduce the 25% aggregate room. Private student loan judgments are processed by the same consumer formula, while the specifically labeled Non-consumer money judgment option uses the federal-floor formula.

Voluntary deductions also work differently from required withholding. They do not reduce disposable earnings. Instead, they are subtracted when the calculator displays take-home pay.

Take-home=max⁡(0,G−R−V−W)\text{Take-home}=\max(0,G-R-V-W)

Here, V is voluntary deductions and W is the calculated withholding.

How Stacking Mode Works

Stacking mode applies the entered orders in this sequence: support, IRS levy, DTF levy, federal student loan AWG, and consumer execution. Support is capped by the calculator's 50%, 55%, 60%, or 65% support rate and by remaining disposable earnings. IRS withholding is then calculated from the amount remaining after support and the estimated exempt amount.

The DTF step is limited to 25% of the original disposable earnings and the remaining earnings. Federal student loan AWG is calculated from the original disposable amount and federal floor. The implemented student-loan stack step is not separately capped to the earnings still remaining before it is subtracted.

The final consumer execution is limited by the consumer formula, remaining 25% non-support room after the student loan amount, and the earnings still remaining. Other non-support executions entered outside the stack also reduce the consumer cap through the aggregate-room calculation.

In Stacking mode, the calculator still displays the selected single-order result in the main result panel. The combined stack appears separately under Priority waterfall as Total withheld. The payoff panel also appears and uses the total stacked withholding as its periodic payment.

Most dollar inputs allow values from $0 through $10,000,000. Balance owed allows up to $100,000,000. Interest allows 0% through 40%. IRS dependents allow 0 through 20, and the age-65-or-blind input allows 0 through 2. Gross pay must be greater than zero, a county must be selected, and the acknowledgment must be checked.

The calculator labels its regional wage schedule, legal limits, support tiers, DTF assumptions, court procedure, execution rules, and 9% default judgment-interest figure for verification. Actual withholding may depend on the controlling order, current law, exemptions, court decisions, and facts not modeled by the calculator. Its results are estimates, not legal advice.

Frequently Asked Questions

How does the calculator estimate a consumer income execution?

It first checks whether weekly disposable earnings exceed 30 times the selected regional minimum wage. If they do not, withholding is zero. If they do, the code takes the smallest of 10% of gross pay, 25% of disposable earnings, and remaining aggregate room after other non-support executions.

What is the difference between consumer and non-consumer judgments?

The calculator gives them different formulas. Consumer executions use the regional New York wage threshold and a 10%-of-gross prong. Non-consumer judgments instead use 25% of disposable earnings and the amount above a $217.50 weekly federal floor, along with available aggregate room.

Does county determine the minimum wage used by the calculator?

No. The separate Minimum wage region selection controls the consumer wage floor. County is required but is used for venue information. This means users should select the region that corresponds to the wages being modeled rather than assuming the county field changes the calculation automatically.

Do voluntary deductions lower disposable earnings?

No. The calculator excludes voluntary deductions from its disposable-earnings formula. Voluntary health deductions, 401(k) contributions, and dues affect only the displayed take-home amount. Required federal, New York or local tax, Social Security and Medicare, mandatory retirement, and other required withholding reduce disposable earnings.

What does zero in Amount demanded per period mean?

In Single order and Payoff modes, zero tells the calculator to apply the maximum produced by the selected order-type formula. A positive demanded amount below that maximum reduces withholding. In the individual Stacking mode order fields, zero instead means that no amount is requested for that order.

How does support withholding change with arrears or a second family?

The calculator uses 50% of disposable earnings when the second-family box is checked and 60% otherwise. Checking the 12-weeks-or-older arrears box adds five percentage points. This produces coded support ceilings of 50%, 55%, 60%, or 65% before a lower positive demanded amount is considered.

Can the calculator estimate how long the balance will take to pay?

Yes. Payoff mode uses the withholding amount, debt balance, APR, and pay frequency to estimate pay periods and calendar time. It also displays total paid and interest paid. For positive APR, total paid is calculated as the rounded-up number of periods multiplied by the full periodic payment, so the calculation does not reduce the final payment.

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