Texas Wage Garnishment Calculator
Enter your income details to estimate the maximum that can legally be taken from your paycheck under Texas and federal rules.
Key Texas garnishment facts
| State abbreviation | TX |
|---|---|
| Consumer debt limit | Wage garnishment for consumer debts is prohibited under the Texas Constitution |
| 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 | Texas Constitution Article XVI, §28; Texas Property Code §42.001 |
Additional notes
Texas does NOT allow wage garnishment for consumer debts. Wages can only be garnished for child support, taxes, student loans, and court-ordered spousal maintenance. Texas also has no state income tax.
Tax levy note: Texas has no state income tax. Federal IRS levies use their own formula.
Key protections and reminders
- • No wage garnishment allowed for consumer debts (Texas Constitution)
- • Only child support, spousal maintenance, taxes, and student loans can trigger garnishment
- • No state income tax
- • One of the most protective states in the nation
Run the numbers: three Texas paychecks
Because Texas bars consumer-debt wage garnishment, the answer for credit cards, medical bills, and personal loans is zero at every income level. Child support, taxes, and federal student loans follow the federal rules in the table above instead.
| Gross weekly pay | Est. disposable | Max consumer-debt garnishment |
|---|---|---|
| $800.00 | $600.00 | $0.00 (prohibited) |
| $1,200.00 | $900.00 | $0.00 (prohibited) |
| $2,000.00 | $1,500.00 | $0.00 (prohibited) |
For the full legal picture — process, exemptions, and how to respond — read the companion guide: Texas 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 Texas?
For consumer debts, all of it — Texas does not permit wage garnishment for consumer debts. Child support, federal student loans, and tax debts follow separate federal rules.
How accurate is this calculator?
It applies the current Texas 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. Texas has no state income tax. 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.