Indiana follows the federal CCPA baseline for wage garnishment, allowing creditors to garnish up to 25% of disposable earnings or the amount exceeding 30 times the federal minimum wage, whichever is less. Explore how these limits compare with other states using our California Wage Garnishment Calculator, Texas Wage Garnishment Calculator, and Florida Wage Garnishment Calculator.
How Much Can Be Garnished in Indiana? A Worked Example
The math matters more than the percentages. In Indiana, a creditor with a judgment for consumer debt is limited by two tests, and must use whichever takes less: the percentage cap, and the protected floor of $217.50 per week (30× the federal minimum wage of $7.25/hour). Everything at or below that floor is untouchable.
Here is what that means at three income levels. The table assumes roughly 25% of gross pay goes to legally required deductions (federal and state taxes, Social Security, Medicare); your actual disposable earnings — the number the law actually uses — will vary with your tax situation.
| Gross weekly pay | Estimated disposable earnings | Max weekly garnishment | Share of disposable pay |
|---|---|---|---|
| $600.00 | $450.00 | $112.50 | 25.0% |
| $900.00 | $675.00 | $168.75 | 25.0% |
| $1,500.00 | $1,125.00 | $281.25 | 25.0% |
Notice how the protected floor changes the picture for lower incomes. To run your own paycheck through the current formula, use the Indiana wage garnishment calculator.
Indiana vs. the Federal Baseline
| Rule | Federal (CCPA) | Indiana |
|---|---|---|
| Consumer debt limit | 25% of disposable earnings | 25% of disposable earnings |
| Protected weekly floor | $217.50 (30× federal minimum wage) | $217.50 per week (30× the federal minimum wage ($7.25/hr)) |
| Child support | 50–65% of disposable earnings | 50% supporting another family / 60% otherwise, +5% for arrears |
| Federal student loans | 15% of disposable earnings | 15% (federal administrative rule) |
| Head-of-household protection | None | No additional state protection |
Indiana follows the federal baseline, so the CCPA numbers above are your actual protection — there is no additional state cushion for consumer debts.
Indiana Garnishment Process
In Indiana, a creditor obtains a judgment and then files proceedings supplemental to execution. The court issues a garnishment order served on your employer. Indiana uses a continuing garnishment system.
Calculate your garnishment with our Indiana Wage Garnishment Calculator. You can also compare your results with other states using our comparison tool or browse the full list of states here.
Indiana Exemptions
Indiana exempts Social Security, veterans benefits, unemployment compensation, and workers compensation from garnishment. Indiana also provides some protection for retirement benefits and pensions. If garnishment causes hardship, you can petition the court. Learn more about protecting your income by filing an exemption claim or understand your rights with Can My Employer Fire Me for Wage Garnishment?
Taking Action
Consider negotiating a settlement or filing an exemption claim. You can also compare Indiana with other states at our comparison tool. For additional insights, check out Illinois Wage Garnishment Laws Explained and Ohio Wage Garnishment: How Much Can Be Taken From Your Paycheck.
Indiana Wage Garnishment FAQ
Can my wages be garnished in Indiana without a court judgment?
Not for consumer debts. A creditor must sue you, win a judgment, and obtain a garnishment order before your employer withholds anything. The exceptions that skip the lawsuit are child support orders, federal student loans (administrative wage garnishment), and tax levies — those follow their own separate procedures.
How much of my paycheck is completely safe in Indiana?
For consumer debts: everything at or below $217.50 per week (30× the federal minimum wage ($7.25/hr)) — plus whatever the percentage cap leaves above that line. Note that tax debts play by different rules: Indiana Department of Revenue can levy wages for state tax debts.
What income can never be garnished in Indiana?
Key protections include: Federal CCPA limits apply: 25% of disposable earnings; 30x federal minimum wage ($217.50/week) protected; Court judgment required before garnishment. Once protected funds are commingled in a bank account, tracing them can get complicated — keep records of exempt deposits.
Can I be fired for having my wages garnished in Indiana?
Federal law (CCPA §304) prohibits firing an employee because of a single garnishment order, no matter the state. Protection for multiple garnishments varies — if you face more than one order, review your state's rules or speak with an employment attorney before assuming you are protected.
Need Help Beyond the Calculator?
If you're dealing with wage garnishment challenges, professional help may be the fastest path forward. Visit our Resources page to explore vetted options for legal help.