OpenChainGraph Suite · ART-572 · Payroll · Employer + Employee Verification

Multi-Garnishment Stacking Recomputation

Runs a caller-declared garnishment order stack against one pay period's disposable earnings and tells you what each order may lawfully withhold under its own statutory cap and the stack's aggregate ceiling. Where you also paste what a garnishment notice says was withheld, the two are compared order by order. The left side of that comparison is computed here from the order stack, not copied from the notice, so it is an independent recomputation rather than a re-adding of a published figure. Payroll teams stacking a new federal student-loan Administrative Wage Garnishment order on top of support, tax and creditor orders can compute what to withhold; an employee or legal-aid clinic holding an AWG notice can recompute it the same way to check whether it undercounts a statutory protection.

Caller supplied order stack Dual audience: employer or employee side Fixed-point money math Not legal advice
Basis: CCPA Title III support tiers · general CCPA 25%/30x-floor cap · HEA AWG 15% cap · federal tax levy exempt from the CCPA cap · no 50-state table, state levy caps are your declared parameter
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠ This is not legal advice. It does not compute the IRS federal-tax-levy exempt-amount table, and it bundles no 50-state table for state levies, you declare those parameters. A divergence against a notice is an arithmetic finding about the order stack and figures you supply. Whether any order is valid, enforceable, or correctly served is for counsel, the issuing court or agency, and the employer's own review. This page computes once when you press the button, stores nothing, runs on no schedule, and retains nothing.
Pay period and disposable earnings

The demo figures below are synthetic. They are not a copy of any real payroll record, and they are already loaded so you can press Run without entering anything of your own.

Legally-required deductions
Optional state overlay (declared parameter, no 50-state table bundled)
Garnishment order stack, in priority order
What the garnishment notice says was withheld
Withholding by order
Against the notice
Rejected inputs
Rationale
    Execution Hash (SHA-256)
    What this does not do

    It does not forecast, project or model a scenario. It recomputes a stated pay period and nothing else. It does not compute the IRS Publication 1494 wage-bracket exempt-amount table for a federal tax levy, and it bundles no 50-state table for state levies, both are your declared parameters. It makes no assertion that any order is valid, enforceable, or correctly served, and it is not legal advice. The aggregate ceiling across a multi-order stack is modelled here as the single highest individual statutory cap present, a documented simplification of a fact-specific area of law.

    Related

    Shares a caller-declared-priority-list recomputation shape with ART-568 Securitization Trustee-Report Waterfall Recomputation and ART-509 Securitisation Payment Waterfall Recomputation, but is an independent tool with its own vocabulary, statutory caps and citations.

    

    



    
  
    
    
    Ask your agent
    
    
  
    
  
    Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.
    
  
    Run the AINumbers MCP tool `recompute_garnishment_stack`. Task: Recompute, for one stated pay period, how much of an employee's disposable earnings each order in a caller-declared garnishment stack may lawfully withhold, then compares the recomputed per-order withholding against a garnishment notice where one is supplied.
Call it with arguments: {"policy_parameters":{"employee_ref":"SYNTH-EMP-001","period_label":"2026-01-15 biweekly pay period","currency":"USD","gross_minor_units":100000,"legally_required_deductions":[{"label":"Federal income tax withholding","amount_minor_units":15000},{"label":"FICA","amount_minor_units":7650},{"label":"State income tax withholding","amount_minor_units":4000}],"orders":[{"order_id":"ord-1","label":"Child support order, county court","type":"child_support","arrears_over_12wk":false,"second_family":false,"claimed_amount_minor_units":44010},{"order_id":"ord-2","label":"Creditor garnishment","type":"creditor","claimed_amount_minor_units":30000}],"noticed_amounts":[{"order_id":"ord-1","amount_minor_units":44010},{"order_id":"ord-2","amount_minor_units":0}]}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-572-multi-garnishment-stacking-recompute.html#p=v1.H4sIAAAAAAAA_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