Arizona Wage Garnishment Calculator
Enter your income details to estimate the maximum that can legally be taken from your paycheck under Arizona and federal rules.
Key Arizona garnishment facts
| State abbreviation | AZ |
|---|---|
| Consumer debt limit | 10% of disposable earnings, subject to the 60x minimum wage test |
| Child support limit | 50% if supporting another family, 60% otherwise, plus 5% for arrears |
| Federal student loans | 15% administrative garnishment cap |
| State minimum wage | $15.15 |
| Minimum wage source used in calculator | Arizona minimum wage |
| Head of household protection | No additional protection listed |
| Statute reference | Arizona Revised Statutes §33-1131 (as amended by Prop. 209); §12-1598 (procedures) |
Additional notes
Since Proposition 209 (effective December 2022), Arizona limits consumer debt garnishment to 10% of disposable earnings — far below the federal 25% — and fully protects weekly disposable earnings up to 60 times the highest applicable minimum wage (A.R.S. §33-1131). With Arizona’s minimum wage of $15.15/hr, that protects $909.00/week. For child support, Arizona caps wage withholding at 50% of disposable earnings (A.R.S. §25-505.01) — more protective than the federal maximum of up to 65%.
Tax levy note: Arizona follows federal guidelines for tax levies. State tax levies are handled by the Arizona Department of Revenue.
Key protections and reminders
- • Consumer debt garnishment capped at 10% of disposable earnings (Prop. 209, A.R.S. §33-1131)
- • 60x the highest applicable minimum wage protected ($909.00/week at the $15.15 state minimum wage)
- • Creditors must obtain a court judgment before garnishing wages
- • Certain income sources like Social Security are exempt
- • Child support withholding capped at 50% of disposable earnings (A.R.S. §25-505.01)
Run the numbers: three Arizona paychecks
These weekly examples assume roughly 25% of gross pay goes to legally required deductions; the calculator above lets you use your own numbers and pay schedule.
| Gross weekly pay | Est. disposable | Max consumer-debt garnishment |
|---|---|---|
| $800.00 | $600.00 | $0.00 |
| $1,200.00 | $900.00 | $0.00 |
| $2,000.00 | $1,500.00 | $150.00 |
For the full legal picture — process, exemptions, and how to respond — read the companion guide: Arizona Wage Garnishment Laws Explained.
Calculator questions, answered
What are “disposable earnings”?
Your pay after legally required deductions — federal and state taxes, Social Security, and Medicare. Voluntary deductions like health insurance or 401(k) contributions usually do NOT reduce disposable earnings for garnishment purposes. The calculator estimates deductions at 25% of gross; your paystub has the real figure.
How much of my paycheck is completely safe in Arizona?
Weekly disposable earnings at or below $909.00 (60× the Arizona minimum wage) cannot be touched for consumer debts, and the percentage cap limits what can be taken above that line.
How accurate is this calculator?
It applies the current Arizona and federal formulas to the numbers you enter, but it estimates your deductions and cannot know case-specific court orders. Treat the result as a close estimate, and the court order as the final word. Arizona follows federal guidelines for tax levies. State tax levies are handled by the Arizona Department of Revenue.
What if I have more than one garnishment?
Federal law caps the combined total, and priority matters: child support first, then tax levies, then other debts. A second creditor generally has to wait if the first already takes the legal maximum.