Wage Garnishment Calculator 2026 — Exempt Amount Table Germany
Garnishable wages in Germany under the Pfändungstabelle from 1 July 2026: with no dependants up to 1,589.99 € net is exempt, more for each dependant.
Details
Spouse, children, or other persons entitled to maintenance
Garnishable Amount
€638.82
25.6% of net income
You keep
€1,861.18
Protected Amount
€1,589.99
Base amount: €1,587.40
table in €10 steps
Note: Garnishment exemption limits are adjusted annually. As of July 2026, the exempt base amount is €1,587.40 (no dependents) plus €597.42 for the first and €332.83 each for the second to fifth dependent. Of the excess, 7/10 (no dependents) down to 1/10 (five dependents) can be garnished, income above €4,866.30 in full (§ 850c ZPO, garnishment table). Special cases (e.g. dependents with their own income) are not included. As of: 2026.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
How much income is protected from garnishment?
The garnishment protection threshold (Pfaendungsfreigrenze) is updated annually. Since 1 July 2026, nothing can be garnished from up to 1,589.99 euros net per month for a single person without dependents (statutory base amount 1,587.40 euros, the table works in 10-euro steps).
Does a P-Konto protect my bank balance?
A P-Konto (garnishment protection account) protects a base amount (currently 1,590.00 euros/month, § 899 ZPO) from seizure. Additional amounts for dependents can be unlocked upon request.
Which parts of my wages cannot be garnished?
Under § 850a ZPO these include, among others: half of the pay for overtime, holiday pay and Christmas bonuses up to the limits set by law, tax-free supplements for Sunday, public holiday and night work, expense allowances and hazard pay. Child benefit (Kindergeld) does not count as employment income and is left out as well.
Guide
What is the Wage Garnishment Calculator 2026 — Exempt Amount Table Germany?
The garnishment calculator determines the attachable and non-attachable portions of your income per the garnishment table.
How does the Wage Garnishment Calculator 2026 — Exempt Amount Table Germany work?
Enter your monthly net income and the number of maintenance obligations. The calculator determines the garnishment-free amount and the attachable portion using the garnishment threshold notice.
Key Data and Facts
Garnishment threshold 2026 (table from 1 July 2026): nothing can be garnished up to 1,589.99 euros (no maintenance obligations). Statutory base amount 1,587.40 euros, plus 597.42 euros for the first and 332.83 euros each for the second to fifth dependent. Income above 4,866.30 euros can be garnished in full. Adjusted on 1 July each year.
Step-by-Step Guide
How to calculate the attachable (garnishable) amount step by step: 1. Determine your monthly net income: All regular income after deduction of taxes and social security. Exempt are, among other things, half of overtime pay, holiday pay within the usual scope and Christmas pay up to EUR 795 (§ 850a ZPO). 2. State your maintenance obligations: Count all persons to whom you owe statutory maintenance (children, spouse). The exempt base amount of EUR 1,587.40 rises by EUR 597.42 for the first person and by EUR 332.83 each for the second to fifth person. 3. Read off the attachment-exempt threshold (table from 1 July 2026): Income is rounded down to EUR 10 steps. Nothing is attachable without a maintenance obligation up to EUR 1,589.99, with 1 obligation up to EUR 2,189.99, with 2 up to EUR 2,519.99, with 3 up to EUR 2,859.99. 4. Calculate the attachable amount: Of the excess over the base amount, the following can be attached: 7/10 without a maintenance obligation, 5/10 with one, 4/10 with two, 3/10 with three, 2/10 with four and 1/10 with five or more persons. The part above EUR 4,866.30 is fully attachable regardless of maintenance obligations (§ 850c ZPO). 5. Attachment-protection account (P-Konto): Basic exempt amount on the P-Konto: EUR 1,590.00 per month (§ 899 ZPO). Higher amounts for dependents with a certificate. Example: Net income EUR 2,500, 1 child entitled to maintenance. Exempt base amount: 1,587.40 + 597.42 = EUR 2,184.82. Excess: 2,500.00 - 2,184.82 = EUR 315.18. Attachable (five tenths): EUR 157.59 — exactly the value in the official table. The debtor retains: 2,500.00 - 157.59 = EUR 2,342.41.
Calculation Example
Net 2,500 EUR, 1 child entitled to maintenance. Exempt base amount: 1,587.40 + 597.42 = 2,184.82 EUR (table: nothing attachable up to 2,189.99 EUR). Attachable amount: 315.18 x 5/10 = 157.59 EUR/month. The debtor keeps 2,342.41 EUR.
Sources
Official sources
Calculations are based on applicable German laws and official data:
- Bürgerliches Gesetzbuch (BGB)
- Rechtsanwaltsvergütungsgesetz (RVG)
- Bundesministerium der Finanzen (BMF)
Full methodology at Methodology.
Reviewed by Konstantin Iakovlev · Last updated:
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