Updated for 2026 guidelines
New York Child Support Wage Garnishment Calculator 2026
New York calls it an income execution, and the ceiling is 50 to 65 percent of disposable earnings depending on your situation. Find your tier here.
Reviewed by SupportDecode Editorial Team Page content reviewed Sources Methodology Update log
Estimate the New York withholding ceiling
Maximum weekly withholding for support: $480.00
That is 60% of disposable earnings, the federal CCPA ceiling that applies to this situation (15 U.S.C. 1673(b)(2)).
| Line item | Amount |
|---|---|
| Federal CCPA ceiling: 60% of disposable earnings (15 U.S.C. 1673(b)(2))15 U.S.C. 1673 (CCPA garnishment limits: 50/55/60/65% for support) (U.S. Congress (text via Cornell LII mirror)) | $480.00 |
| Maximum support withholding: 60% of disposable earnings15 U.S.C. 1673 (CCPA garnishment limits: 50/55/60/65% for support) (U.S. Congress (text via Cornell LII mirror)) | $480.00 |
Assumptions
- Disposable earnings are earnings minus deductions required by law (15 U.S.C. 1672); voluntary deductions are not subtracted.
- Obligor does not support another spouse or dependent child.
- No arrears older than 12 weeks.
Estimate only. The court or state agency calculation controls.
Federal CCPA ceiling under 15 U.S.C. 1673(b)(2); state rules under N.Y. CPLR 5241(g). Rules last reviewed 2026-08-06.
How income executions work in New York
When New York support is collected from a paycheck, the legal tool is an income execution for support enforcement under CPLR § 5241. The support collection unit or the creditor issues it to the employer directly; no new court hearing is needed to start withholding.
The limits in CPLR § 5241(g) copy the federal Consumer Credit Protection Act tiers word for word. Withholding may not pass 50 percent of disposable earnings if the paying parent supports another spouse or child, or 60 percent if they do not. Each ceiling climbs 5 points, to 55 or 65 percent, once arrears are more than 12 weeks old.
Because the state tiers match the federal ones exactly, there is no separate New York cap to apply on top. Whatever tier fits your situation is the ceiling.
Disposable earnings means pay left after deductions required by law, like taxes and Social Security. Money you choose to set aside, such as retirement contributions or optional insurance, still counts as disposable for this limit.
A related tool, the income deduction order under CPLR § 5242, runs on parallel limits when a court orders the deduction itself.
- Withholding ceiling
- 50% / 55% / 60% / 65% of disposable earnings by situationsource
- Statute
- N.Y. CPLR § 5241(g), mirroring 15 U.S.C. § 1673(b)source
- Stricter state cap
- None; New York adopts the federal tiers as writtensource
- Official tool
- The state child support agency posts an income withholding calculatorsource
How to use this estimate
Enter your weekly disposable earnings and answer the two questions about a second family and the age of any arrears. The tool picks your CPLR § 5241(g) tier and shows the most that can be withheld from that paycheck for support.
The tier is a ceiling, not your payment. The income execution states the actual amount from your order, often with an extra slice toward arrears, and withholding only presses against the ceiling when that total is large relative to your pay.
This page covers support withholding only. Other creditors garnishing New York wages face much lower limits under different statutes, and those rules are not modeled here.
What this estimate includes
- The four CPLR § 5241(g) tiers, identical to the federal CCPA tiers
- Disposable earnings figured from legally required deductions
- The 12-week arrears bump from 50 to 55 or 60 to 65 percent
What it leaves out
- Garnishments other than child support, such as consumer judgments or student loans
- The actual amount in your order and any arrears add-on
- Employer processing details and multi-order priority rules
To see what your paycheck looks like after taxes before any withholding, the PayDecode take-home pay calculator covers that side of the math.Open the PayDecode paycheck calculator
New York garnishment FAQs
How much of a paycheck can New York withhold for child support?
Up to 50 percent of disposable earnings if the paying parent supports another spouse or child, and up to 60 percent if not. Each limit rises by 5 points, to 55 or 65 percent, when arrears are more than 12 weeks old. The tiers come from CPLR § 5241(g).
What is an income execution?
New York’s name for the paycheck withholding instrument in support cases. The support collection unit or the person owed support issues it to the employer under CPLR § 5241, and the employer must start deducting. It is an administrative step, not a new lawsuit.
Does New York have a stricter limit than federal law?
No. Some states cap support withholding below the federal ceilings, but New York wrote the federal CCPA tiers directly into CPLR § 5241(g). The state and federal limits are the same numbers.
What counts as disposable earnings in New York?
Earnings left after deductions required by law: federal, state, and local taxes, Social Security, and Medicare. Voluntary items like a 401(k) contribution, union optional benefits, or extra insurance do not reduce disposable earnings for the withholding limit.
What is the difference between CPLR § 5241 and § 5242?
Section 5241 is the income execution issued without a fresh court order, the standard route in support collection unit cases. Section 5242 is an income deduction order a court signs itself. The withholding limits run in parallel.
Is there an official New York withholding calculator?
Yes. The state child support agency posts an income withholding calculator for employers and parents, linked in the sources below. It is one of the few official interactive tools New York offers in the support area, and it covers withholding, not the CSSA guideline formula.
Official sources
Official sources last verified: .
- CPLR 5241 (income execution for support; 50/55/60/65% caps)
NY Senate Last checked
- 15 U.S.C. 1673 (CCPA garnishment limits: 50/55/60/65% for support)
U.S. Congress (text via Cornell LII mirror) Last checked
- DOL WHD Fact Sheet #30 (CCPA garnishment; rev. Dec. 2024)
U.S. Dept. of Labor WHD Last checked
- DCSS Income Withholding Calculator
NYS OTDA DCSS Last checked
Reviewed by SupportDecode Editorial Team Page content reviewed Sources Methodology Update log
Changelog: page first published with the CPLR 5241(g) tiers. Material changes are dated in the update log.