New York Garnishment & Withholding Calculators

When a New York employer receives a wage garnishment or income withholding order, the employer must calculate the maximum amount that can legally be taken from each paycheck — and getting that number wrong can mean penalties, lawsuits, or paying the debt yourself. The calculation depends on the type of order, the employee's disposable income, and New York's protected-income rules.

This hub covers the two most common New York withholding scenarios. The New York Wage Garnishment Priority Calculator applies the 2026 minimum wage figures ($17/hr in NYC and Long Island, $16/hr upstate) to determine how much stays protected when multiple orders compete. The NY Child Support Income Withholding Calculator computes disposable income and applies the federal CCPA limits (50–65%) that govern child support withholding under New York law.

Both tools follow New York CPLR §5231 rules, the federal Consumer Credit Protection Act, and NYS child support guidelines, and are verified by the AKCalc financial team. For other payroll questions, see the New York Paycheck Calculators, and for the full set of state tools return to the New York Calculators hub.

📅 Updated for 2026 ✍️ Verified by AKCalc Financial Team 💲 Free & no sign-up required

New York Garnishment & Withholding Calculators

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New York Wage Garnishment Priority Calculator 2026

Calculate exactly how much of your NY paycheck can be garnished. Uses 2026 minimum wage rates ($17/hr NYC & Long Island, $16/hr upstate), priority order (child support vs. creditors), and free exemption guidance.

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NY Child Support Income Withholding Calculator 2026

Free NY child support income withholding calculator 2026. Shows disposable income, CCPA limits (50–65%), and exact paycheck deduction under official NYS guidelines.

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Frequently Asked Questions

How much of my paycheck can a creditor garnish in New York?

For most consumer debts, New York limits an income execution (CPLR §5231) to the lower of two amounts: 10% of gross wages, or the amount that leaves the employee with less than 30 times the state or federal minimum wage per week. In practice, this means low earners often have nothing taken. Use the New York Wage Garnishment Priority Calculator for your exact figures.

Why can child support garnish more than a credit card debt?

Child support is treated differently from consumer debts. Under the federal Consumer Credit Protection Act (CCPA), child support withholding can reach 50% of disposable income (or 60% when the employee supports another family), versus the 10% cap for ordinary creditors. Child support also takes priority over consumer garnishments when multiple orders hit the same paycheck.

Is a garnishment calculated on gross or net pay?

Garnishment limits are calculated on disposable income — gross pay minus the deductions that law requires, such as federal, state, and local taxes and FICA. Voluntary deductions like health insurance or retirement contributions generally do not reduce the amount subject to garnishment. Both calculators on this page compute disposable income first, then apply the relevant cap.

What happens if an employee has more than one garnishment?

New York orders are handled in order of priority. Child support and other family-support orders come first and can be processed together. After those are satisfied, other creditors' garnishments are handled one at a time in the order received. The combined total still cannot exceed the applicable legal limits. The New York Wage Garnishment Priority Calculator applies this priority logic automatically.