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Form 20P · Rules 20 and 60

Judgment Enforcement Calculator

Work out what is still owing on an Ontario judgment, with Courts of Justice Act interest, set out the way the Small Claims Court’s Affidavit for Enforcement Request (Form 20P) and the Superior Court’s enforcement forms ask for it.

2The judgment
Without interest or costs.
Filled in with the published Courts of Justice Act rate for the quarter of the judgment (s. 127). If the judgment states a different rate, type that one: it governs.
4Payments received after the judgment

None yet? Leave this empty.

Interest is worked out on the amount owing from time to time as payments are received, as Form 20P says. Each payment reduces the amount owing.
5(F) Costs after the judgment

Tick the court and bailiff fees you have paid, including the fee for the enforcement you are asking for now.

For example, more than one fee of the same kind, or what you paid to serve documents.
Fees from O. Reg. 332/16, in force until December 31, 2026; they are adjusted for inflation on January 1, 2027.
Today, or the day you will file the request.
Form 20P, paragraph 3

Enter the date of the judgment and the debt to see what is owing.

Key dates

Enter the judgment above to see how long you can enforce it without leave.

Enforcing in the Small Claims Court
  • A certificate of judgment (Form 20A), a writ of seizure and sale of personal property (Form 20C) or of land (Form 20D), a notice of garnishment (Form 20E) and a notice of examination (Form 20H) are each requested with an Affidavit for Enforcement Request (Form 20P) stating the amount still owing (rr. 20.04, 20.06, 20.07, 20.08 and 20.10).
  • A lawyer or paralegal can have a writ of seizure and sale of land issued through the Teranet software without filing Form 20P (r. 20.07(1.3)). Once issued, a writ of land is governed by the Rules of Civil Procedure, so the sheriff's Direction to Enforce (Form 60F) applies to it (r. 20.07(2)).
  • Garnishment: serve the debtor within five days of serving the garnishee (r. 20.08(6.1)). The garnishee pays the clerk within 10 days after service or after the debt becomes payable, whichever is later (r. 20.08(7)). The clerk pays out the first payment 30 days after receiving it, and later ones as they come in (r. 20.08(20.1)). Once you are paid in full, serve a notice of termination of garnishment (Form 20R) (r. 20.08(20.2)).
  • While an order for periodic payment, a consolidation order or an order as to payment is in force, the only step allowed is issuing a writ of seizure and sale of land and filing it with the sheriff (rr. 20.02(2), 20.09(9) and 20.10(8)).
What can't be taken
  • Wages: 80% of a person's wages, after the deductions the law requires, are exempt from garnishment; 50% for a support order. A judge can raise or lower the exemption on a motion (Wages Act, s. 7). The Writ & Garnishment Calculator shows the split.
  • Property (for a debtor that isn't a corporation): necessary clothing; household furnishings and appliances up to $17,091; tools and other property used to earn income up to $17,362 ($37,820 for farmers); one motor vehicle up to $8,578; and medical and disability aids (Execution Act, s. 2; O. Reg. 657/05).
  • A principal residence is exempt if the debtor's equity in it is $12,997 or less (Execution Act, s. 2(2); O. Reg. 657/05).

Open the Writ & Garnishment Calculator →

Official sources · checked November 3, 2026

The calculation follows the order of the lines in Form 20P and the Ministry of the Attorney General's interest method, and is checked against the Ministry's worked examples.

Estimates only, from the figures you enter. This is general information about enforcing a judgment in Ontario, not legal advice. Check the judgment for its own interest rate and costs, and keep a receipt for every fee you claim. As Form 20P warns, knowingly swearing or affirming a false affidavit is an offence under the Criminal Code.

General information only, not legal advice. Read our online tools policy

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