Ontario Wage & Bank Garnishment Calculator

Wage & Bank Account Garnishment Calculator

How much a garnishment actually takes in Ontario — per paycheque or from an account — and how long collecting takes. Fields marked * are required.

Which side are you on? *

I'm collecting creditor You have a judgment and want to garnish their pay or account. I'm being garnished debtor Your wages or bank account are being (or may be) garnished.

What's being garnished? *

Wages via employer A steady slice of every paycheque, paid to the court. Bank account via the bank A grab at the money sitting in the account — no 20% cap.

Amount owing on the judgment ($) * Judgment + costs + postjudgment interest to date, less payments received

Debtor's net pay per paycheque ($) * "Net" under the Wages Act = pay minus only what the law requires (tax, CPP, EI). Estimate if unsure.

How often are they paid? * Sets the per-paycheque and per-month figures

What kind of debt is it? * Support runs at 50% — but is usually enforced by the FRO, not Small Claims

Money in the account, if known ($) Leave blank if unknown — the notice catches what's there when the bank is served

Is it a joint account? Joint debts: half is garnishable by default (r. 20.08(2)), adjustable at a hearing

Wage & Bank Account Garnishment Calculator

The breakdown

Worth knowing before anyone is served