The lawful maximum you may withhold on one paycheck, under the 2026 federal CCPA test and the stricter state rule
Lawful maximum to withhold this period
—
USD
Federal CCPA cap
—
USD
State cap
—
USD
Protected earnings floor for this period
—
USD
Over-withheld on this check
—
USD
Over-withheld per year at this rate
—
USD
Room left to withhold this period
—
USD
Which rule binds
—
Keep this calculation in the employee file.
Every cap on this page is free, with no key and no limit. The full version adds CSV export of this worksheet (inputs, binding rule, every cap) and a renewal alarm on the date a state minimum wage changes and the protected floor moves.
$60 once · one licence key per person or team seat · A US payroll compliance attorney bills $250-$400 an hour, and reviewing one earnings withholding order is about an hour of that time.
Federal CCPA Title III test Runs both halves of the federal test - 25% of disposable earnings and the amount above 30 x $7.25 per week - converted to your pay period.
Stricter state cap Applies the 2026 California, New York metro, New York upstate, Washington, Illinois and Massachusetts caps, and the four states where a consumer judgment cannot reach wages.
Order type switch Switches between a consumer judgment, a child support order at the 50/55/60/65% CCPA rates, and a federal student loan administrative wage garnishment at 15%.
Over-withholding check Compares what payroll already withheld on this check against the lawful maximum and shows the excess per check and per year.
CSV export (paid) Writes the inputs, the binding rule and every cap to a CSV row you can keep in the employee file as your withholding worksheet.
Renewal alarm (paid) Sets a Chrome alarm for the date a state minimum wage changes, because the protected floor moves with it and the cap has to be recomputed.