Writ & Garnishment Calculator
Calculate wage garnishment limits under the Ontario Wages Act and estimate total judgment debt with post-judgment interest.
01 Wage Garnishment
02 Judgment Debt (A + B + C)
(B) Pre-Judgment Interest
Days Since Calculator
Quickly calculate elapsed days for custom interest or limitation periods.
Understanding Enforcements in Ontario
Notice of Garnishment
Once you have a judgment, you can file a Notice of Garnishment with the court. This legally obligates an employer or bank (the garnishee) to pay the non-exempt portion of the debtor's income or funds directly to the Sheriff.
Writ of Seizure and Sale
A Writ allows the Sheriff to seize and sell the debtor's personal property (vehicles, equipment) or real property (homes, land) to satisfy the judgment. It also acts as a lien against the debtor's property if they try to sell it.
The 80% Rule
The Wages Act protects 80% of an employee's net wages to ensure they have sufficient funds for basic needs. However, a creditor or debtor can bring a motion to a judge to increase or decrease this amount based on hardship.
PIPEDA-compliant