Wage Garnishment Calculator 2026 — Exempt Amount Table
Garnishable share of wages per 2026 Pfändungstabelle: basic exemption 1,500 €, increase per dependent. With examples and P-Konto protection.
Details
Spouse, children, or other persons entitled to maintenance
Garnishable Amount
€355.01
14.2% of net income
Protected Amount
€2,145.00
Protected Amount
€1,589.99
Base: €1,589.99
Note: Garnishment exemption limits are adjusted annually. As of July 2026, the basic exemption is €1,589.99 (single) plus €597.42 per dependent. The actual garnishment is calculated according to the official garnishment table (Annex to § 850c ZPO). This is a simplified calculation. 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. In 2026, the base amount is approximately 1,491 euros per month for a single person without dependents.
Does a P-Konto protect my bank balance?
A P-Konto (garnishment protection account) protects a base amount (currently about 1,491 euros/month) from seizure. Additional amounts for dependents can be unlocked upon request.
Which fee schedules do the calculations use?
Lawyer fees are calculated under the German Rechtsanwaltsvergütungsgesetz (RVG), court fees under the Gerichtskostengesetz (GKG). Both tables are updated regularly. Source: gesetze-im-internet.de.
Guide
Quick Answer
The garnishment calculator determines the attachable and non-attachable portions of your income per the garnishment table.
What is the Wage Garnishment Calculator 2026 — Exempt Amount Table?
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 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: 1,491.75 euros (no maintenance obligations). Increase of approx. 560 euros per obligation. Table 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. Christmas and holiday bonuses are half exempt from attachment. Overtime pay is half exempt from attachment. 2. State your maintenance obligations: Count all persons to whom you owe maintenance (children, spouse). Each maintenance obligation raises the attachment-exempt threshold by about EUR 560. 3. Read off the attachment-exempt threshold (2026): Without a maintenance obligation: EUR 1,491.75. 1 maintenance obligation: about EUR 2,059.99. 2 maintenance obligations: about EUR 2,369.99. 3 maintenance obligations: about EUR 2,679.99. 4. Calculate the attachable amount: Income up to the exempt threshold: not attachable. Income between the exempt threshold and the upper limit: attachable on a pro-rata basis (staggered). From about EUR 4,298.18 (without a maintenance obligation): fully attachable. 5. Attachment-protection account (P-Konto): Basic exempt amount on the P-Konto: EUR 1,491.75 per month. An increase is possible for maintenance obligations. Example: Net income EUR 2,500, 1 child entitled to maintenance. Attachment-exempt threshold: EUR 2,059.99. Excess amount: 2,500 - 2,059.99 = EUR 440.01. Attachable share (from the table): about EUR 308. The debtor retains: 2,500 - 308 = EUR 2,192.
Calculation Example
net 2.500 EUR, 1 unterhaltspflichtiges Kind. Pfaendungsfreigrenze: 2.059,99 EUR. Pfaendbarer Betrag: ca. 308 EUR/month. Dem Schuldner verbleiben: 2.192 EUR.
Sources · E-E-A-T
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.
Law
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