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How Child Support Is Calculated On Your Pay Check
Child Support Garnishment Through Payroll
Regardless if you have been receiving a child support garnishment on your pay check for some time now, or if it has just been set up, understanding the child support calulator your employer uses can be confusing. Employers are required by state child support enforcement to follow strict rules when it comes to how to calculate child support deduction.
They are given detailed order paperwork from state CS enforcement offices that outlines the child support calculator equation they are required to use to calculate your child support
Your employer can not change the amount nor can they legally help you avoid paying your child support garnishment. Nothing you bring in to your employer can change your child support garnishment amount. They are mandated to follow only the rules and guidelines set by the child support garnishment as set by the state child support enforcement office.
Short of contacting your Child Support Enforcement Officer requesting a reevaluation of your child support amount, or getting child support lawyers there really isn't much you can do to lower your support amounts.
Your employer must by law follow the order as it is written or they could face stiff fines. They can not skip a child support payment for you just because your having a hard time with cash this week or pay less towards the deduction because a large advance was given to you. The child support will still be taken from disposable earnings, and you may be left with little, nothing, or even left owing your company money.
Your Child Support Payroll Deduction
If your child support order is regulated and distributed by the state child support enforcement office you live in, unless other arrangements such as by getting help child support lawyers, your child support garnishment will come out of your paycheck. If you're wondering if child support comes out before taxes, it doesn't. Child support does come before any other court ordered deduction though.
When your employer receives a child support garnishment in your name this notice is forward to your companies payroll department. The payroll department then sets up the automatic child support garnishment so that with every payroll, the correct amount of child support will come out using automated or manual child support calculators.
The amounts that are to come out of your check for your child support garnishment are not determined by your employer or the payroll company. Strict guidelines are set forth in child support order that details the child support calculator equation your employer should use to calculate how much to withhold from each of your payroll checks.
When there is not enough income earned to satisfy the child support garnishment amount requested by your states child support enforcement agency, a payroll calculation must be done to determine how much to withhold from your paycheck.
The calculation used to calculate your child support garnishment amount takes into account whether you have back taxes owed, or are supporting another family. The percentage to withold in this instance is determined and set by the state and not determined by your employer. Child support can take 50%, 55% 60% or up to 65% of your disposable income. Most often, it is 50%.
Disposable income is not the same as Gross or Net income. Disposable income is income left over after taxes have been taken out and before any voluntary deductions
THE FORMULA Your payroll department will take into consideration first whether your disposable income already exceeds the percentage allowable for withholding. If it does not, the following formula will be used.
Gross - taxes = disposable income
disposable income ÷ set percentage (50% -65%) =
If child support amount is $550 a month your gross is $1200 and your taxes are $200 it would look like this.
$1200 - $200 =$1000 disposable income
$1000 ÷ 50% = $500
$500 will go towards your towards your child support because anything more would exceed the amount allowable.
The other $500 goes to you.