Wage Garnishment Calculator UK

UK Wage Garnishment Rules:

Garnishment amounts are based on earnings brackets set by UK law.

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1. What is Wage Garnishment?

Wage garnishment is a legal procedure where a portion of a person's earnings is withheld by their employer for the payment of a debt. In the UK, this is governed by strict rules to protect workers.

2. How Garnishment is Calculated in the UK

The UK uses an earnings bracket system to determine garnishment amounts:

Earnings up to £100: No garnishment
£100.01-£160: Amount above £100
£160.01-£220: £60 + 30% of amount above £160
£220.01-£270: £78 + 40% of amount above £220
£270.01-£375: £98 + 50% of amount above £270
Over £375: £150.50 + 60% of amount above £375

3. UK Garnishment Rules

Details: The UK system protects a portion of earnings while ensuring creditors can recover debts. The protected earnings rate ensures workers always retain enough income for basic needs.

4. Using the Calculator

Tips: Enter your weekly earnings before tax in pounds. The calculator will show the maximum amount that could be garnished under UK law.

5. Frequently Asked Questions (FAQ)

Q1: What types of debts can lead to wage garnishment?
A: In the UK, common reasons include council tax arrears, child maintenance, and court-ordered debt repayments.

Q2: Can my entire salary be garnished?
A: No, UK law protects a portion of your earnings based on the bracket system.

Q3: How often is garnishment calculated?
A: Typically calculated per pay period (weekly or monthly).

Q4: Can I challenge a garnishment order?
A: Yes, you can apply to have the amount reduced if it causes hardship.

Q5: Are there different rules for Scotland?
A: Yes, Scotland has its own earnings arrestment system with different calculations.