Tennessee Wage Garnishment Calculator
Enter your income details to estimate the maximum that can legally be taken from your paycheck under Tennessee and federal rules.
Key Tennessee garnishment facts
| State abbreviation | TN |
|---|---|
| Consumer debt limit | 25% of disposable earnings, subject to the 30x 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 | $7.25 |
| Minimum wage source used in calculator | Federal minimum wage baseline |
| Head of household protection | No additional protection listed |
| Statute reference | Tennessee Code §26-2-106 |
Additional notes
Tennessee follows federal CCPA limits. The state has no income tax on wages. Tennessee provides a minimum exemption of $217.50/week.
Tax levy note: Tennessee has no state income tax on wages. Federal IRS levies use their own formula.
Key protections and reminders
- • Federal CCPA limits apply: 25% of disposable earnings
- • No state income tax on wages
- • 30x federal minimum wage ($217.50/week) protected
- • Court judgment required before garnishment
Run the numbers: three Tennessee 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 | $150.00 |
| $1,200.00 | $900.00 | $225.00 |
| $2,000.00 | $1,500.00 | $375.00 |
For the full legal picture — process, exemptions, and how to respond — read the companion guide: Tennessee 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 Tennessee?
Weekly disposable earnings at or below $217.50 (30× the federal 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 Tennessee 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. Tennessee has no state income tax on wages. Federal IRS levies use their own formula.
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.