New York Wage Garnishment Calculator
Enter your income details to estimate the maximum that can legally be taken from your paycheck under New York and federal rules.
Key New York garnishment facts
| State abbreviation | NY |
|---|---|
| Consumer debt limit | Lesser of 10% of gross wages or 25% of disposable earnings |
| Child support limit | 50% if supporting another family, 60% otherwise, plus 5% for arrears |
| Federal student loans | 15% administrative garnishment cap |
| State minimum wage | $16.50 |
| Minimum wage source used in calculator | New York minimum wage |
| Head of household protection | No additional protection listed |
| Statute reference | New York CPLR §5231 |
Additional notes
New York provides very strong protections. Garnishment is limited to 10% of gross wages or 25% of disposable earnings, whichever is less. Additionally, if disposable earnings are less than 30 times the state minimum wage, no garnishment is allowed at all. With NY's $16.50/hr minimum wage, $495/week is fully protected.
Tax levy note: New York State Department of Taxation and Finance can levy wages for state tax debts.
Key protections and reminders
- • Garnishment limited to lesser of 10% gross or 25% disposable
- • No garnishment if disposable earnings below 30x state minimum wage ($495/week)
- • Among the strongest protections in the nation
- • Income Execution required (not standard garnishment)
Run the numbers: three New York 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 | $80.00 |
| $1,200.00 | $900.00 | $120.00 |
| $2,000.00 | $1,500.00 | $200.00 |
For the full legal picture — process, exemptions, and how to respond — read the companion guide: New York 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 New York?
Weekly disposable earnings at or below $495.00 (30× the New York 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 New York 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. New York State Department of Taxation and Finance can levy wages for state tax debts.
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.