North Dakota Wage Garnishment Calculator

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North Dakota Wage Garnishment Calculator

How much a North Dakota paycheck can lose to a wage garnishment, support order, tax levy, student loan or Chapter 13 plan. N.D.C.C. § 28-22-16, N.D.C.C. § 25-4-25, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): North Dakota follows the federal CCPA limits: the lesser of 25% of disposable earnings or the amount by which disposable earnings exceed 30 times the federal minimum wage ($217.50 weekly). At or below that floor, wages cannot be garnished. Child support withholding follows CCPA tiers 50/55/60/65% of disposable earnings. North Dakota has no state income tax, so state tax garnishments are not applicable. Federal student loan AWG uses 15% with the federal 30x floor. IRS levies use Publication 1494. Post-judgment interest runs at 10.5% per annum (N.D.C.C. § 28-22-30). North Dakota has no state-specific garnishment prohibition beyond federal law.

1. Mode, county and pay date

Stack uses the order boxes in section 3.
Affects the IRS table; North Dakota uses federal $7.25 minimum.
Superior Court or District Court venue.
Federal 30x test runs weekly; scaled by 52 / periods.
Select a county to see the venue note and the federal floor figures.

2. Gross pay and legally required withholding

Includes bonuses and commissions.
North Dakota has no state income tax.
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

North Dakota post-judgment interest is 10.5% (N.D.C.C. § 28-22-30 – VERIFY).

How it works

  • Disposable = gross minus legally required withholding; voluntary shown separately.
  • Weekly conversion = 52 / periods (1, 2, 2.1667, 4.3333); federal 30x test runs weekly.
  • Floor = 30x $7.25 = $217.50 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

  • N.D.C.C. § 28-22-16 (wage garnishment limits: 25% of disposable earnings or excess over 30x federal minimum wage): akleg.gov
  • N.D.C.C. § 25-4-25 (support withholding, CCPA tiers): akleg.gov
  • 15 U.S.C. 1671-1677 (Consumer Credit Protection Act): dol.gov
  • DOL Fact Sheet 30 (wage garnishment protections): dol.gov
  • North Dakota Department of Labor minimum wage ($11.73 in 2024, follows federal for garnishment): labor.nd.gov
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19 (student loan AWG): studentaid.gov
  • N.D.C.C. § 28-22-30 (10.5% post-judgment interest): akleg.gov

Test cases

TC1 Anchorage Borough, 2026, weekly, consumer judgment. Gross $1,000.00; required $200.00; disposable $800.00. The 25% cap is $200.00, and the 30x floor leaves $582.50 reachable. Withheld $200.00, take-home $600.00, 25.00% of disposable. $4,000 at 10.5% clears in 21 weeks, total $4,200.00, interest $200.00.
TC2 Fairbanks North Star Borough, 2026, weekly, consumer judgment. Gross $600.00; required $120.00; disposable $480.00. The 30x floor ($217.50) leaves $262.50 reachable, but the 25% cap is $120.00. Withheld $120.00, take-home $360.00, 25.00% of disposable.
TC3 Juneau Borough, 2026, biweekly, child support. Gross $2,400.00; required $560.00; disposable $1,840.00. With no second family and arrears over 12 weeks, the CCPA tier is 65% = $1,196.00. Withheld $1,196.00, take-home $644.00.
TC4 Matanuska-Susitna Borough, 2026, semimonthly, federal student loan AWG. Gross $2,600.00; required $600.00; disposable $2,000.00. The 15% AWG cap is $300.00; the federal 30x floor leaves $1,528.75. Withheld $300.00, take-home $1,700.00.
TC5 North Slope Borough, 2026, monthly, IRS levy. Gross $3,000.00; required $700.00; disposable $2,300.00. The IRS Pub 1494 exempt amount is $452.08 per period. Withheld $1,847.92, take-home $452.08.
Estimates only; not legal advice. All figures VERIFY, including the 25% and 30x federal floor limits of N.D.C.C. § 28-22-16, the CCPA support tiers, the federal student loan 15% cap, the IRS Pub 1494 exempt amount, and the 10.5% post-judgment interest 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: contested exemption hearings, automatic stays, self-employment income, bonuses, severance, pensions, unemployment or workers compensation. Consult a North Dakota attorney or Alaska Legal Services. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“north-dakota-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is a North Dakota Wage Garnishment Calculator?

A North Dakota wage garnishment calculator estimates the amount withheld from a pay period after accounting for gross pay, legally required deductions, pay frequency, the selected order type, and the limits encoded for that order. This tool can also estimate take-home pay, stacked withholding, and a debt payoff timeline when the needed inputs are supplied.

The main result is the estimated amount withheld per pay period. The results also show gross and disposable earnings, weekly equivalents, the calculator's protected-income floor, the 25% disposable-earnings amount, the order-specific cap, existing withholding amounts, remaining room, annual and weekly withholding, estimated take-home pay, the share of disposable earnings withheld, and the factor that controlled the result.

Stack mode adds a priority waterfall for multiple orders. Payoff mode estimates the number of pay periods needed to satisfy a balance. The calculator also displays procedure and venue notes. All legal figures and several procedural statements in the supplied calculator are marked “VERIFY,” so the results should be treated as estimates rather than legal advice.

How the North Dakota 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 required deductions exceed gross pay, the calculator limits them to gross pay. Voluntary deductions are kept separate.

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 the total legally required withholding entered in the calculator.

The calculator converts each pay period to a weekly basis using the selected frequency. It uses 52 periods for weekly pay, 26 for biweekly, 24 for semimonthly, and 12 for monthly pay.

W=52pW=\frac{52}{p}

In this equation, p is the number of pay periods per year and W is the number of weeks represented by one pay period. The calculator's encoded weekly protected amount is 30 × $7.25, or $217.50. The corresponding amount for the selected pay period is:

F=217.50×WF=217.50\times W

For a consumer judgment or private student loan judgment, the implemented cap is the smallest of 25% of disposable earnings, disposable earnings above the protected amount, and the remaining 25% room after the “Other garnishments” input.

C=min⁡(0.25D,max⁡(0,D−F),max⁡(0,0.25D−O))C=\min\left(0.25D,\max(0,D-F),\max(0,0.25D-O)\right)

Here, O is the amount entered as other garnishments. If the “Amount demanded per period” field contains a positive amount smaller than the calculated cap, the calculator uses that smaller amount. Entering zero tells the calculator to use its calculated maximum.

Support withholding uses a percentage of disposable earnings. The calculator selects 50% when the second-family box is checked or 60% when it is not. It adds 5 percentage points when the arrears box is checked, producing possible rates of 50%, 55%, 60%, or 65%.

S=rDS=rD

Federal student loan AWG uses the smaller of 15% of disposable earnings and the amount above the calculator's federal floor:

A=min⁡(0.15D,max⁡(0,D−F))A=\min\left(0.15D,\max(0,D-F)\right)

For an IRS levy, the calculator estimates an exempt amount for the selected pay year, filing status, dependents, and age-65-or-blind boxes. A positive override replaces the calculated exemption.

E=By+5300d+1600apE=\frac{B_y+5300d+1600a}{p}

Here, By is the calculator's stored annual base amount for the selected year and filing status, d is the number of dependents, and a is the age-65-or-blind box count. The levy estimate is:

L=max⁡(0,D−E)L=\max(0,D-E)

For Chapter 13, the entered monthly plan amount is converted to the selected pay frequency and capped at disposable earnings.

P13=min⁡(D,12Mp)P_{13}=\min\left(D,\frac{12M}{p}\right)

Worked Example

Suppose weekly gross pay is $1,000. Required withholding totals $200, voluntary deductions are $0, other garnishments are $0, and the selected order is a consumer judgment with the demanded amount left at $0.

D=1000−200=800D=1000-200=800
0.25D=0.25×800=2000.25D=0.25\times800=200
D−F=800−217.50=582.50D-F=800-217.50=582.50

The smallest cap is $200, so the calculator estimates $200.00 withheld for the week. With no voluntary deductions, the displayed take-home amount is $1,000 − $200 required withholding − $200 garnishment = $600.00. The garnishment equals 25.00% of disposable earnings.

How to Use the North Dakota Wage Garnishment Calculator

  1. Select Single order, Stacking, or Payoff timeline mode.
  2. Select the wage year. The available choices are 2024, 2025, and 2026, and the year changes the calculator's IRS exemption estimate.
  3. Select a county or other listed jurisdiction option and choose weekly, biweekly, semimonthly, or monthly pay.
  4. Enter gross pay and the required deductions: federal income tax, Social Security and Medicare, mandatory retirement, and any other required withholding. Enter voluntary deductions separately.
  5. Select the order type. Available single-order choices are consumer judgment, private student loan judgment, child support, alimony, federal student loan AWG, IRS levy, and Chapter 13 plan.
  6. Enter the amount demanded per period if applicable. Leaving it at 0 applies the calculator's maximum for that order type.
  7. Complete any fields that appear for the selected order, such as support details, IRS filing information, or a Chapter 13 monthly plan payment.
  8. For Payoff mode, enter the balance owed and annual interest rate. The balance is required in this mode.
  9. Check the required acknowledgment stating that the result is an estimate and that the figures require verification, then select Calculate.

Gross pay must be greater than zero. The calculator also checks numeric minimums and maximums defined by the form. The interest-rate field allows 0% through 40%, IRS dependents allow 0 through 20, and the age-65-or-blind field allows 0 through 2.

Money results are displayed to two decimal places. The share of disposable earnings withheld is displayed as a percentage with two decimal places. Reset restores the fields to their original values and hides the current results.

Important Assumptions and Implementation Details

Order TypeHow This Calculator Sets the Cap
Consumer / private student judgmentSmallest of 25% of disposable earnings, amount above the encoded 30× floor, and remaining 25% room after other garnishments
Child support / alimony50%, 55%, 60%, or 65% of disposable earnings depending on the two support checkboxes
Federal student loan AWGSmaller of 15% of disposable earnings and the amount above the encoded 30× floor
IRS levyDisposable earnings above the calculator's estimated or overridden exempt amount
Chapter 13Monthly plan payment converted to the pay period, capped at disposable earnings

The “Support already withheld” and “Other garnishments” inputs are both shown in the results and are both subtracted when the calculator displays its general “Room remaining” figure. However, the implemented consumer-cap function subtracts only the “Other garnishments” value when it determines the consumer or private-student judgment amount. This distinction matters when comparing the displayed room with the calculated consumer withholding.

Stack mode uses four entered order amounts in this sequence: support, IRS levy, federal student loan AWG, and consumer judgment. Although the interface describes the mode as “Stacking - five order types,” the supplied calculation contains four stack amount boxes and four waterfall outputs. Stack mode also displays a payoff panel using the total stacked withholding as the periodic payment.

The payoff calculation uses the entered balance, periodic withholding, annual interest rate, and pay frequency. When interest is greater than zero, the calculator converts the annual rate to a rate per pay period:

i=APR100pi=\frac{APR}{100p}

If the periodic payment does not exceed the first period's interest, the calculator reports that the balance does not amortize. Otherwise, it estimates the number of payments as:

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 and P is the withholding per period. For positive interest, the displayed total paid is n × P, so the code treats every estimated period as a full payment rather than adjusting the last payment. With 0% interest, it uses the exact balance as total paid and reports the calculated final payment separately.

Jurisdiction warning: the supplied implementation contains inconsistent jurisdiction labels. Although the calculator is titled for North Dakota, its county selector, venue messages, test cases, and some procedural text also contain Alaska borough terminology and an Alaska legal-services reference. These inconsistencies are part of the supplied code. Verify all jurisdiction-specific legal information before relying on the result.

The calculator itself also marks the 25% limit, 30× floor, support tiers, student-loan percentage, IRS exemption figures, post-judgment interest figure, and procedural statements with VERIFY warnings. Real withholding can depend on facts and legal rules not modeled by this tool. The calculator specifically states that it does not model contested exemption hearings, automatic stays, self-employment income, severance, pensions, unemployment, or workers' compensation.

Frequently Asked Questions

How does this calculator determine disposable earnings?

It subtracts federal income tax, Social Security and Medicare, mandatory retirement, and other required withholding from gross pay. If those deductions exceed gross pay, the calculator limits required withholding to gross pay. Voluntary deductions such as health deductions, a voluntary 401(k), or dues are shown separately and are not included in the disposable-earnings calculation.

What does entering 0 for the amount demanded mean?

A demanded amount of 0 tells the calculator to use the maximum amount produced by its order-specific calculation. If you enter a positive demanded amount below the calculated cap, the calculator uses the smaller demanded amount for consumer, support, federal student loan, IRS, and Chapter 13 single-order calculations.

How are child support and alimony calculated?

Both use the same support calculation in this tool. The base ceiling is 50% of disposable earnings when the second-family box is checked and 60% otherwise. Checking the arrears box adds 5 percentage points, producing a possible calculator ceiling of 55% or 65%.

How does the IRS levy estimate work?

The calculator uses the selected pay year and filing status, then adds $5,300 for each entered dependent and $1,600 for each age-65-or-blind box. It divides the annual amount by the selected number of pay periods. A positive exemption override replaces that estimate. The calculator labels this method as VERIFY.

What happens in stacking mode?

The code processes four entered amounts in order: support, IRS levy, federal student loan AWG, and consumer judgment. It reports each withholding amount, total withholding, estimated take-home pay, and the amount left after the waterfall. It also runs the payoff calculation using the combined stacked withholding as the periodic payment.

How does the payoff timeline estimate work?

Payoff mode uses the estimated withholding per period as the payment against the entered balance. It converts the annual interest rate to a periodic rate and estimates the number of periods needed. If the payment is too small to cover accruing interest, the calculator reports that the balance does not amortize.

Is the calculator legal advice?

No. The calculator explicitly describes its output as an estimate and requires an acknowledgment before calculation. Its legal figures and procedure statements carry VERIFY warnings, and the supplied implementation contains jurisdiction-label inconsistencies. Use the result as a calculation aid and verify the applicable rules and facts for the actual withholding situation.

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