Wyoming Wage Garnishment Calculator

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Wyoming Wage Garnishment Calculator

Calculate wage garnishment limits under Wyoming law. Wyo. Stat. § 1-16-101, 15 U.S.C. 1671-1677. Estimates only.

Rules encoded (VERIFY): Wyoming limits consumer debt garnishment to 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). Child support withholding follows CCPA tiers 50/55/60/65%. Federal student loan AWG uses 15%. Federal tax debts follow IRS Pub 1494. Wyoming has NO state income tax, so there are no state income tax levies. Post-judgment interest is generally 10% (Wyo. Stat. § 1-16-101).

1. Mode, county and pay date

Stack uses the order boxes in section 3.
Wyoming uses federal $7.25 minimum wage for garnishment calculations.
District Court venue.
Federal 30x test runs weekly; scaled by 52 / periods.
Select a county to see the venue note and federal floor figures.

2. Gross pay and legally required withholding

Includes bonuses and commissions.
Wyoming has NO state income tax (usually $0).
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

Wyoming post-judgment interest: 10% (Wyo. Stat. § 1-16-101 – VERIFY).

How it works

  • Disposable = gross minus legally required withholding; voluntary shown separately.
  • Weekly conversion = 52 / periods (1, 2, 2.1667, 4.3333).
  • Wyoming limits garnishment to the lesser of 25% of disposable earnings or the amount by which disposable earnings exceed 30 times the federal minimum wage ($217.50).
  • Consumer debts = up to 25% of disposable earnings per CCPA.
  • Support = lesser of ordered and CCPA tier 50/55/60/65% of disposable earnings.
  • Federal tax = up to 25% of disposable earnings per CCPA (IRS Pub 1494).
  • Student loan AWG = lesser of 15% disposable and above the federal 30x floor.
  • Chapter 13 = the confirmed plan payment, capped at disposable earnings.
  • Stack applies precedence in order.
  • Payoff amortizes at the entered rate and flags non-amortizing or zero-withholding cases.

Sources

  • Wyo. Stat. § 1-16-101 (post-judgment interest: 10%): legis.wyo.gov
  • 15 U.S.C. 1671-1677 (Consumer Credit Protection Act): dol.gov
  • DOL Fact Sheet 30 (wage garnishment protections): dol.gov
  • Wyoming Department of Revenue (revenue.wyo.gov)
  • IRS Pub 1494 and Form 668-W: irs.gov
  • 20 U.S.C. 1095a, 34 CFR 34.19 (student loan AWG): studentaid.gov

Test cases

TC1 Laramie County, 2026, weekly, consumer debt. Gross $1,000.00; required $200.00; disposable $800.00. 25% cap = $200.00. Withheld $200.00, take-home $600.00.
TC2 Natrona County, 2026, weekly, consumer debt. Gross $300.00; required $50.00; disposable $250.00. Floor $217.50 leaves $32.50 reachable; 25% cap is $62.50. Withheld $32.50, take-home $217.50.
TC3 Campbell County, 2026, biweekly, child support. Gross $2,400.00; required $560.00; disposable $1,840.00. With no second family and no arrears, the CCPA tier is 60% = $1,104.00. Withheld $1,104.00, take-home $736.00.
TC4 Fremont 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. Withheld $300.00, take-home $1,400.00.
TC5 Sweetwater County, 2026, monthly, consumer debt. Gross $4,000.00; required $1,000.00; disposable $3,000.00. 25% cap = $600.00. Withheld $600.00, take-home $2,400.00.
Estimates only; not legal advice. All figures VERIFY, including the Wyoming wage garnishment limits, the CCPA support tiers, the federal student loan 15% cap, and the 10% post-judgment interest rate. Not modeled: contested exemption hearings, automatic stays, self-employment income, bonuses, severance, pensions, unemployment or workers compensation. Consult a Wyoming attorney or Wyoming Legal Services. Deploy: replace the block, Update, purge cache, hard refresh; verify document.getElementById(“wyoming-wage-garnishment-calculator”).getAttribute(“data-js-ready”) returns “true” with no SyntaxError.

What Is a Wyoming Wage Garnishment Calculator?

A Wyoming wage garnishment calculator estimates the amount that may be withheld from an employee's paycheck for a selected debt or support obligation. It subtracts required payroll deductions from gross earnings, applies the withholding limits programmed for the selected order type, and displays estimated garnishment, protected earnings, and remaining take-home pay.

Wage garnishment is a process in which an employer withholds part of an employee's earnings to satisfy a debt or legal obligation. The amount withheld can depend on disposable earnings, the type of debt, and applicable withholding restrictions.

The calculator includes consumer debt, medical debt, child support, spousal support, federal student loan administrative wage garnishment (AWG), federal tax debt, a Wyoming Department of Revenue levy selection, and Chapter 13 plan payments.

Three calculation modes are available: Single order, Stacking, and Payoff timeline. They let you examine one withholding amount, model five categories of competing orders, or estimate how long repayment may take using an outstanding balance and annual interest rate.

The results are estimates based on the calculator's programmed assumptions. They do not determine the legal validity of an order or establish the amount an employer must withhold.

How the Wyoming Wage Garnishment Calculation Works

The calculator starts by finding disposable earnings. It then applies a withholding formula based on the selected debt type. For consumer and medical debts, the model compares 25% of disposable earnings with earnings above a protected minimum.

Step 1: Calculate Disposable Earnings

Disposable earnings are the money remaining after deductions the calculator treats as legally required.

D=G−min⁡(G,R)D=G-\min(G,R)

In this formula, D is disposable earnings, G is gross pay for the period, and R is the total of required payroll deductions entered.

The calculator adds federal income tax, the Wyoming income tax field, Social Security and Medicare, mandatory retirement contributions, and other required withholding.

Although the interface states that Wyoming has no state income tax, it still contains a Wyoming income tax input. The calculation subtracts any amount entered there. For a paycheck without such a deduction, leave the field at zero.

If required deductions exceed gross earnings, the calculator limits the deduction total to gross pay. Disposable earnings therefore cannot become negative.

Voluntary deductions, including health insurance payments, voluntary 401(k) contributions, and dues, do not reduce disposable earnings. They are deducted separately when estimating take-home pay.

Step 2: Calculate the Protected Earnings Floor

The calculator uses an encoded federal minimum wage of $7.25 per hour. Multiplying this amount by 30 produces a weekly earnings floor of $217.50.

The calculator converts this weekly amount to the selected pay frequency:

F=30×7.25×52NF=30\times7.25\times\frac{52}{N}

F represents the protected earnings floor for one pay period. N represents the number of pay periods per year.

Pay FrequencyPay Periods Per YearCalculated Earnings Floor
Weekly52$217.50
Biweekly26$435.00
Semimonthly24$471.25
Monthly12$942.50

These values come from the calculator's stored constants. The protected floor does not change when you select a different pay year.

The amount of disposable earnings above the floor is calculated as follows:

H=max⁡(0,D−F)H=\max(0,D-F)

H represents earnings above the protected amount. If disposable earnings are at or below the floor, the result is zero.

Step 3: Calculate Consumer and Medical Debt Garnishment

For consumer and medical debts, the calculator compares three values: 25% of disposable earnings, earnings above the protected floor, and remaining 25% room after other garnishments.

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

Here, C is the calculated withholding ceiling, D is disposable earnings, H is earnings above the protected floor, and O is the entered amount of other garnishments.

The calculator uses the smallest of these amounts. A positive amount demanded below the ceiling reduces withholding to that demanded amount. Entering zero applies the full calculated ceiling.

The result also includes a separate remaining-room figure that subtracts both existing support withholding and other garnishments from 25% of disposable earnings. However, the consumer and medical debt formula itself subtracts only other garnishments. The displayed room figure and actual calculated withholding may therefore differ.

Step 4: Calculate Child Support and Spousal Support

Child support and spousal support use separate percentage ceilings rather than the ordinary 25% consumer debt calculation.

Csupport=r×DC_{\text{support}}=r\times D

In this formula, r is the selected support withholding rate and D is disposable earnings.

Support SituationCalculator Rate
Supports a second spouse or child50%
Second family supported, with arrears 12 weeks or older55%
No second family selected60%
No second family selected, with arrears 12 weeks or older65%

The calculator chooses the rate using its second-family and arrears checkboxes. A smaller positive amount demanded reduces withholding below the calculated support ceiling. The resulting withholding cannot exceed disposable earnings.

Step 5: Calculate Federal Student Loan Garnishment

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

Cstudent=min⁡(0.15D,max⁡(0,D−F))C_{\text{student}}=\min\left(0.15D,\max(0,D-F)\right)

D represents disposable earnings and F represents the protected amount for the selected pay period.

If the amount demanded is positive and below this ceiling, the calculator uses the lower demanded amount. If disposable earnings do not exceed the protected floor, the modeled student loan withholding is zero.

Step 6: Calculate Federal Tax Levy Withholding

For federal tax debt, the calculator estimates an exempt amount using stored annual deduction figures for the selected pay year and filing status. It also adds programmed adjustments for dependents and age-65 or blindness selections.

E=S+(5300×d)+(1600×a)NE=\frac{S+(5300\times d)+(1600\times a)}{N}

E represents the estimated exempt amount per pay period, S is the stored annual deduction figure, d is the number of dependents, a is the number of age-65 or blindness boxes, and N is annual pay periods.

The calculator stores deduction figures for 2024, 2025, and 2026. Its $5,300 adjustment per dependent and $1,600 adjustment per age-65 or blindness box are programmed assumptions, not independently verified IRS levy allowances.

The estimated amount available for federal tax withholding is:

CIRS=max⁡(0,D−E)C_{\text{IRS}}=\max(0,D-E)

A positive exempt-amount override replaces the calculated exemption for that pay period. A smaller positive amount demanded reduces the modeled withholding. The ordinary 25% consumer debt ceiling does not limit this federal tax calculation.

Step 7: Calculate Chapter 13 Plan Withholding

For Chapter 13, the calculator converts the entered monthly plan payment into an amount for the selected pay frequency.

Cplan=min⁡(D,12MN)C_{\text{plan}}=\min\left(D,\frac{12M}{N}\right)

M represents the monthly plan payment, N is annual pay periods, and D is disposable earnings. The calculation cannot exceed disposable earnings. A smaller positive amount demanded can reduce it further.

Wyoming Department of Revenue levy limitation: Although this option appears in the single-order menu, the supplied code does not implement a separate calculation branch for it. Instead, the selection uses the Chapter 13 monthly plan calculation. With the default monthly plan payment of zero, it produces zero withholding. This is not a reliable standalone state revenue levy estimate.

There is another inconsistency: the interface states that Wyoming has no state income tax, yet stacking mode includes a Wyoming Department of Revenue withholding field. That stacking calculation can produce a positive amount when a request is entered. It should not be interpreted as validating a Wyoming state income tax levy.

Worked Example: Weekly Consumer Debt Garnishment

Suppose an employee enters $300.00 in gross weekly pay and $50.00 in required deductions. The employee selects consumer debt, enters no other garnishments or voluntary deductions, and leaves the amount demanded at zero.

First, calculate disposable earnings:

D=300−50=250D=300-50=250

Next, calculate 25% of disposable earnings:

0.25×250=62.500.25\times250=62.50

Then calculate earnings above the weekly protected floor:

250−217.50=32.50250-217.50=32.50

The calculator chooses $32.50 because it is smaller than the $62.50 percentage ceiling.

Estimated withholding: $32.50 per week. Estimated annual withholding: $1,690.00. Estimated weekly take-home pay: $217.50. The withheld amount represents 13.00% of disposable earnings.

This example illustrates the calculator's arithmetic, not a determination that withholding is legally permitted in a particular case.

How the Debt Payoff Formula Works

Payoff mode estimates repayment time using the debt balance, entered annual interest rate, calculated withholding per period, and pay frequency.

First, the calculator converts the annual interest percentage into a periodic rate:

i=r100Ni=\frac{r}{100N}

Here, i is interest per pay period, r is the entered annual percentage rate, and N is annual pay periods.

When interest is positive and the payment exceeds accruing interest, the calculator estimates the required number of whole payment periods:

n=⌈−ln⁡(1−BiP)ln⁡(1+i)⌉n=\left\lceil\frac{-\ln\left(1-\frac{Bi}{P}\right)}{\ln(1+i)}\right\rceil

B represents the outstanding balance, P is withholding per period, and n is the number of payment periods rounded upward.

When the interest rate is zero, the calculator instead uses:

n=⌈BP⌉n=\left\lceil\frac{B}{P}\right\rceil

For positive-interest calculations, estimated total paid equals the number of periods multiplied by the full periodic payment. Estimated interest is that total minus the original balance. This simplified method does not adjust the final payment to the precise remaining balance. With zero interest, total paid equals the original balance.

If the balance is zero, withholding is zero, or the payment cannot cover accruing interest, the calculator displays an explanatory message instead of a positive payoff timeline.

How to Use the Wyoming Wage Garnishment Calculator

  1. Select a calculation mode. Choose Single order, Stacking, or Payoff timeline.
  2. Choose the pay year and county. Select 2024, 2025, or 2026, then select a Wyoming county.
  3. Select your pay frequency. Choose weekly, biweekly, semimonthly, or monthly.
  4. Enter gross pay. Provide earnings for one pay period, including any applicable bonuses and commissions.
  5. Enter payroll deductions. Include federal income tax, Social Security and Medicare, mandatory retirement, and other required withholding. Review the Wyoming income tax field, and enter voluntary deductions separately.
  6. Select an order type. Choose the debt or support category you want to examine.
  7. Enter withholding information. Provide the amount demanded per period, support already withheld, and other garnishments where applicable.
  8. Complete additional fields. For support, use the second-family and arrears checkboxes. For federal tax, enter filing details or an exemption override. For Chapter 13, enter the monthly plan payment.
  9. Enter stacking or payoff details when needed. Stacking mode provides five requested-order fields. For a meaningful payoff estimate, enter a positive debt balance and review the annual interest rate.
  10. Calculate the estimate. Check the required acknowledgment and select Calculate. Use Reset to restore the starting input values.

The main result shows estimated withholding per pay period for the selected single-order category. Additional results include disposable earnings, the calculated withholding ceiling, take-home pay, and weekly and annual withholding equivalents.

The calculator requires a county selection, gross pay greater than zero, and acknowledgment of its limitations. Numeric entries are checked against configured minimum and maximum values. The interest-rate field accepts 0% to 40% and starts at 10%, which is a programmed assumption rather than a verified rate for every debt.

Understanding Your Wyoming Garnishment Results

Withholding Amount and Take-Home Pay

The main withholding result is calculated for one pay period. Weekly and annual equivalents depend on the frequency selected.

Estimated take-home pay equals gross earnings minus required deductions, voluntary deductions, and calculated withholding. If the result is negative, the calculator displays zero.

T=max⁡(0,G−R−V−W)T=\max(0,G-R-V-W)

T is estimated take-home pay, G is gross earnings, R is required deductions after the gross-pay limit, V is voluntary deductions, and W is calculated withholding.

Dollar amounts appear with two decimal places. The share of disposable earnings withheld appears as a percentage with two decimal places.

A colored meter illustrates the withholding percentage against a 65% reference scale. It changes color at 10% and 25%. These are display settings rather than separate legal decisions.

How Stacking Mode Handles Multiple Orders

Stacking mode processes support, federal tax, Wyoming Department of Revenue, federal student loan, and consumer debt requests in that order.

Support uses its selected percentage ceiling. Federal tax uses earnings remaining above the estimated exemption. The Wyoming Department of Revenue step limits an entered request to the smaller of 25% of original disposable earnings and earnings remaining after earlier orders.

The student loan step uses its requested amount and the 15% or earnings-floor ceiling calculated from original disposable earnings. Consumer debt withholding is then limited by its calculated ceiling and any positive earnings remaining.

Important stacking limitation: The student loan step does not separately restrict withholding to earnings remaining after earlier orders. Certain combinations can therefore produce total modeled withholding above disposable earnings. The calculator limits displayed take-home pay to zero, but the waterfall is not a verified legal priority allocation.

Stacking mode also displays a payoff panel using the combined withholding amount. Payoff timeline mode uses the selected single-order withholding amount instead.

County, Pay Year, and Legal Assumptions

County selection changes the Wyoming District Court venue information shown in the notes. It does not change the mathematical withholding limits.

The selected pay year affects the stored deduction figures used in the federal tax exemption estimate. It does not change the calculator's 25% consumer ceiling, support percentages, or minimum-wage-based protection floor.

The calculator also displays notes about garnishment procedures, exemption claims, employment protections, and post-judgment interest. These are informational assumptions that require verification, not personalized legal conclusions.

Actual withholding may depend on the court order, exemptions, agency instructions, payroll circumstances, and applicable laws. The calculator does not separately model contested exemption hearings, automatic stays, or special treatment of other types of income. Consult the relevant court or agency, or a qualified Wyoming attorney, for case-specific guidance.

Frequently Asked Questions

How much of my paycheck can be garnished in Wyoming?

For consumer and medical debts, the calculator uses the smallest of 25% of disposable earnings, earnings above the 30-times federal minimum wage floor, and remaining 25% room after other garnishments. Different formulas apply to support, federal student loans, federal tax debt, and Chapter 13 payments. The result is an estimate, not a legal determination.

What is the difference between gross pay and disposable earnings?

Gross pay is the amount earned before deductions. Disposable earnings are what remains after deductions the calculator treats as required. These include entered federal tax, Social Security and Medicare, mandatory retirement, and other required withholding. The Wyoming income tax field also affects the calculation if an amount is entered. Voluntary deductions affect estimated take-home pay separately.

Why does the calculator use 30 times the federal minimum wage?

The calculator uses an encoded protection floor of 30 times the federal minimum wage for consumer and medical debt calculations. Its stored hourly figure of $7.25 produces $217.50 per week. The tool converts this amount to your selected pay frequency and compares it with disposable earnings when determining the withholding ceiling.

Can child support withholding exceed 25% of disposable earnings?

Yes. The calculator uses separate support ceilings of 50%, 55%, 60%, or 65% of disposable earnings. The rate depends on whether a second family is supported and whether the arrears checkbox is selected. A smaller positive amount demanded reduces withholding below the calculated ceiling.

Does the calculator include Wyoming state income tax?

Yes, the interface contains a Wyoming income tax deduction field even though it states that Wyoming has no state income tax. The calculation subtracts any amount entered in that field. With the default value of zero, the field has no effect on disposable earnings or calculated withholding.

Can the calculator estimate multiple garnishments at once?

Yes. Stacking mode accepts separate requested amounts for support, federal tax, Wyoming Department of Revenue, federal student loans, and consumer debt. It displays the modeled withholding for each category, total withholding, and take-home pay. The calculation follows a fixed programmed sequence rather than a verified legal determination of creditor priority.

How does the Wyoming wage garnishment payoff estimate work?

The payoff calculation uses an outstanding balance, an entered annual interest rate, pay frequency, and calculated periodic withholding. It estimates payment periods, approximate calendar time, total paid, and interest. When withholding is zero or insufficient to cover accruing interest, the calculator displays an explanatory message instead of a positive payoff timeline.

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