Ohio Wage Garnishment Calculator

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Ohio Wage Garnishment Calculator

How much an Ohio paycheck can lose to a wage garnishment, support order, tax levy, student loan or Chapter 13 plan. ORC § 2716.21, ORC § 3121.03, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): Ohio follows the federal CCPA limits under ORC § 2716.21: 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 under ORC § 3121.03. Ohio has no state income tax, so state tax garnishments are not applicable for income tax. Federal student loan AWG uses 15% with the federal 30x floor. IRS levies use Publication 1494. Post-judgment interest runs at 10% per annum (ORC § 1343.02). Ohio 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; Ohio uses federal $7.25 minimum for garnishment.
Municipal or Common Pleas 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.
Ohio 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

Ohio post-judgment interest is 10% (ORC § 1343.02 – 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

  • ORC § 2716.21 (wage garnishment limits: 25% of disposable earnings or excess over 30x federal minimum wage): ohio.gov
  • ORC § 3121.03 (support withholding, CCPA tiers): ohio.gov
  • 15 U.S.C. 1671-1677 (Consumer Credit Protection Act): dol.gov
  • DOL Fact Sheet 30 (wage garnishment protections): dol.gov
  • Ohio Department of Labor minimum wage ($15.00 in 2026): ohio.gov
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19 (student loan AWG): studentaid.gov
  • ORC § 1343.02 (10% post-judgment interest): ohio.gov

Test cases

TC1 Franklin County, 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% clears in 21 weeks, total $4,200.00, interest $200.00.
TC2 Cuyahoga County, 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 Hamilton County, 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 Montgomery County, 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 Summit County, 2026, biweekly, stack. Gross $2,400.00; required $560.00; disposable $1,840.00. Support $300.00 + IRS $200.00 + student $300.00 + consumer $400.00. Total withheld $700.00, take-home $1,140.00.
Estimates only; not legal advice. All figures VERIFY, including the 25% and 30x federal floor limits of ORC § 2716.21, the CCPA support tiers under ORC § 3121.03, the federal student loan 15% cap, the IRS Pub 1494 exempt amount, and the 10% post-judgment interest rate under ORC § 1343.02. 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 an Ohio attorney or Ohio Legal Help. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“ohio-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is an Ohio Wage Garnishment Calculator?

An Ohio wage garnishment calculator estimates the amount that can be withheld from a pay period after applying the particular limits programmed for the selected order type. This calculator first determines disposable earnings, converts the amount to a weekly basis when needed, and then applies the rule assigned to the selected debt or withholding category.

The Ohio Wage Garnishment Calculator estimates how much can be withheld from one paycheck based on gross pay, legally required deductions, pay frequency, order type, and related order details. It also shows disposable earnings, the applicable cap used by the code, estimated take-home pay, and, in payoff mode, a repayment timeline.

The tool has three modes. Single order mode calculates one selected order. Stacking mode adds a separate priority waterfall for support, an IRS levy, federal student loan withholding, and a consumer judgment. Payoff mode uses the calculated single-order withholding as the periodic payment on an entered balance.

How the Ohio Wage Garnishment Calculation Works

The first step is disposable earnings. The calculator adds federal income tax, Social Security and Medicare, mandatory retirement, and other required withholding. If that total exceeds gross pay, the code caps required withholding at gross pay. Voluntary deductions are not subtracted when calculating disposable earnings.

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

Here, D is disposable earnings, G is gross pay for the period, and R is the sum of the entered legally required withholding.

Pay frequency determines how many pay periods the calculator uses each year: 52 weekly, 26 biweekly, 24 semimonthly, or 12 monthly. It converts disposable earnings to a weekly amount before applying the fixed federal floor in the code.

Dweekly=D52/P,Fperiod=217.50(52P)D_{weekly}=\frac{D}{52/P},\qquad F_{period}=217.50\left(\frac{52}{P}\right)

P is the number of pay periods per year. The calculator uses $7.25 multiplied by 30, giving a weekly protected-floor figure of $217.50. The amount above that floor for a pay period is:

H=max⁡(0,D−Fperiod)H=\max\left(0,\,D-F_{period}\right)

For a consumer judgment or private student loan judgment, the code compares 25% of disposable earnings, the amount above the floor, and the remaining 25% room after the separate Other garnishments input.

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

C is the calculator's maximum for that order and O is the entered other-garnishments amount. If the Amount demanded field is greater than zero and lower than this cap, the lower demanded amount is used. Entering zero in the single-order Amount demanded field tells the calculator to use the calculated maximum.

For child support and spousal support, the calculator uses 50% when the second-family box is selected and 60% otherwise. Selecting arrears of 12 weeks or older adds five percentage points, producing rates of 55% or 65%.

Csupport=rD,r∈{0.50,0.55,0.60,0.65}C_{support}=rD,\qquad r\in\{0.50,0.55,0.60,0.65\}

Federal student loan administrative wage garnishment uses the smaller of 15% of disposable earnings and the amount above the calculator's federal floor.

Cstudent=min⁡(0.15D,H)C_{student}=\min\left(0.15D,\,H\right)

For an IRS levy, the calculator estimates an exempt amount from the selected year, filing status, dependents, and age-65-or-blind boxes unless an override is entered. The programmed estimate is divided by the number of pay periods.

E=S+5300d+1600bP,CIRS=max⁡(0,D−E)E=\frac{S+5300d+1600b}{P},\qquad C_{IRS}=\max(0,D-E)

S is the code's year-and-filing-status base amount, d is the dependent count, and b is the number of age-65-or-blind boxes. A positive exempt-amount override replaces this formula.

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

CCh13=min⁡(D,12MP)C_{Ch13}=\min\left(D,\frac{12M}{P}\right)

Here, M is the entered monthly plan payment.

Worked example

Suppose weekly gross pay is $1,000 and legally required withholding totals $200. Disposable earnings are $800. The calculator's 25% amount is $200, while the amount above its $217.50 weekly floor is $582.50. With no other garnishment entered, a consumer judgment with Amount demanded set to zero produces a $200 withholding estimate.

min⁡(0.25×800,800−217.50)=min⁡(200,582.50)=200\min(0.25\times800,\,800-217.50)=\min(200,582.50)=200

With no voluntary deductions in this example, the displayed take-home amount is $1,000 minus $200 of required withholding and $200 of garnishment, or $600.

Payoff calculation

Payoff mode treats the calculated withholding as a repeating payment. For a positive APR, the periodic interest rate is the annual percentage rate divided by 100 and by the number of pay periods. If the payment does not exceed one period of interest on the current balance, the calculator reports that the balance never amortizes.

i=APR100P,n=⌈−ln⁡(1−BiQ)ln⁡(1+i)⌉i=\frac{APR}{100P},\qquad n=\left\lceil\frac{-\ln\left(1-\frac{Bi}{Q}\right)}{\ln(1+i)}\right\rceil

B is the balance, Q is withholding per period, and n is the rounded-up number of periods. The code reports total paid as n × Q and interest as that total minus the starting balance. At 0% APR, it instead rounds balance divided by payment up to the next whole period and reports total paid as the original balance.

How to Use the Ohio Wage Garnishment Calculator

  1. Select Single order, Stacking, or Payoff timeline mode.
  2. Select the wage year, an Ohio county, and the pay frequency.
  3. Enter gross pay for the period and the applicable legally required withholding. Enter voluntary deductions separately.
  4. Select the order type and enter the amount demanded, existing support, or other garnishments when applicable.
  5. Complete the extra fields that appear for support, an IRS levy, or a Chapter 13 plan. In stack mode, enter the separate order amounts in the priority section.
  6. For payoff mode, enter the balance owed and an annual interest rate. The APR field starts at 10% and allows values from 0% through 40%.
  7. Check the required acknowledgment that the result is an estimate and the figures require verification, then select Calculate.

The primary result is the estimated amount withheld per pay period. The results also show weekly and annual equivalents, disposable earnings, the 25% amount, floor-based room, estimated take-home pay, the percentage of disposable earnings withheld, and the factor the code identifies as binding. Dollar results are displayed to two decimal places, and the withholding share is displayed to two decimal places.

Understanding the Inputs and Results

Required and voluntary deductions are treated differently

Federal income tax, Social Security and Medicare, mandatory retirement, and Other required withholding are included in the calculator's required-withholding total. Voluntary deductions, such as the examples shown for health coverage, a 401(k), or dues, are excluded from the disposable-earnings calculation. They are subtracted later when the calculator displays estimated take-home pay.

County does not change the numerical formula

The county selection is required, but the calculation functions do not use the selected county to change the withholding amount. The county is used in the results heading and in the tool's venue note.

The pay year mainly affects the IRS estimate

The available years are 2024, 2025, and 2026. The selected year chooses the programmed base amount used by the IRS exemption estimate. The $7.25 hourly figure used for the 30-times weekly floor remains fixed in the code for all three years.

YearSingle / MFS optionHead of householdMarried filing jointly
2024$14,600$21,900$29,200
2025$15,750$23,625$31,500
2026$16,100$24,150$32,200

These are the values encoded in this calculator, not a statement that they are current official IRS figures. The calculator itself labels its Publication 1494 method as an estimate that should be verified.

Single-order and stack results are separate

In stacking mode, the main result card is still calculated from the regular Order type and Amount demanded fields. A separate Priority waterfall panel then calculates the four stack entries in this order: support, IRS levy, federal student loan AWG, and consumer judgment. The stack total is also passed to the payoff panel.

Each stack field treats zero as no order. This differs from the single-order Amount demanded field, where zero means to use the maximum calculated amount. Stack mode does not require a balance, so its payoff panel can show no payoff periods when the balance remains at zero.

Existing support and the displayed room figure

The results panel displays a Room remaining figure equal to 25% of disposable earnings minus the entered existing support and other garnishments, with a minimum of zero. However, the consumer and private-student judgment cap function itself subtracts only the Other garnishments input from its 25% room calculation. Users should be aware of this distinction when interpreting the displayed figures.

Input validation requires gross pay to be greater than zero, a county to be selected, and the acknowledgment box to be checked. Balance owed becomes required in payoff mode. Most money fields allow values from $0 through $10,000,000, while the balance allows up to $100,000,000. IRS dependents are limited to 0 through 20, and age-65-or-blind boxes to 0 through 2.

This calculator provides estimates only. Its own interface marks the legal figures and procedure notes for verification. Real withholding can depend on the governing order, exemptions, court or agency procedures, applicable law, and facts not represented by the calculator. The tool should not be treated as legal advice.

Frequently Asked Questions

What does disposable earnings mean in this calculator?

Disposable earnings are gross pay minus the calculator's entered legally required withholding. The code includes federal income tax, Social Security and Medicare, mandatory retirement, and Other required withholding in that total. If required withholding exceeds gross pay, the calculation caps it at gross pay, making disposable earnings zero.

Do voluntary deductions reduce the garnishment base?

No. The calculator does not subtract the Voluntary deductions field when determining disposable earnings or the main garnishment caps. It displays voluntary deductions separately and subtracts them when estimating take-home pay after required withholding and the calculated garnishment.

What happens if I enter $0 for Amount demanded?

In the single-order calculation, an Amount demanded of $0 tells the code to use the maximum amount allowed by its formula for the selected order type. In the separate stack fields, zero has a different meaning: it means that no amount is requested for that stack category.

How does pay frequency affect the result?

Pay frequency controls the number of periods per year and the conversion between per-period and weekly amounts. That affects the calculator's 30-times weekly-floor test, annual withholding display, IRS exemption amount per period, Chapter 13 payment conversion, and payoff timeline.

How does the IRS levy calculation work?

The calculator subtracts an estimated exempt amount from disposable earnings and treats any positive remainder as the levy cap. The exempt estimate uses the selected year's programmed filing-status amount plus $5,300 per dependent and $1,600 per age-65-or-blind box, divided by pay periods. A positive override replaces that estimate.

What if the payoff payment is too small to cover interest?

If the entered APR is above zero and the periodic withholding is less than or equal to one period of interest on the balance, the calculator does not produce a payoff period count. Instead, it reports that the payment does not cover accruing interest and that the balance never amortizes under those assumptions.

Does selecting a different Ohio county change the garnishment amount?

No numerical calculation in the code varies by county. The county field is required and is used to identify the selected county in the results and display a venue note, but the withholding formulas themselves use the same programmed values for every listed county.

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