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
372,50 €
14,9% of net income
Protected Amount
2.127,50 €
Protected Amount
1.555,00 €
Base: 1.555,00 €
Note: Garnishment exemption limits are adjusted annually. As of July 2025, the basic exemption is 1.555,00 € (single) plus 585,23 € 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.
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.
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 den pfaendbaren Betrag step by step: 1. Monatliches Nettoeinkommen determine: Alle regelmaessigen Einkuenfte nach Abzug von taxes und Sozialversicherung. Weihnachtsgeld und Urlaubsgeld sind zur Haelfte unpfaendbar. Ueberstundenverguetung ist zur Haelfte unpfaendbar. 2. Unterhaltspflichten angeben: Zaehlen Sie alle Personen, denen Sie unterhaltspflichtig sind (Kinder, Ehepartner). Jede Unterhaltspflicht erhoeht die Pfaendungsfreigrenze um ca. 560 EUR. 3. Pfaendungsfreigrenze ablesen (2026): Ohne Unterhaltspflicht: 1.491,75 EUR. 1 Unterhaltspflicht: ca. 2.059,99 EUR. 2 Unterhaltspflichten: ca. 2.369,99 EUR. 3 Unterhaltspflichten: ca. 2.679,99 EUR. 4. Pfaendbaren Betrag calculate: income bis zur Freigrenze: unpfaendbar. income zwischen Freigrenze und Obergrenze: anteilig pfaendbar (gestaffelt). Ab ca. 4.298,18 EUR (ohne Unterhaltspflicht): voll pfaendbar. 5. Pfaendungsschutzkonto (P-Konto): basic personal allowance (Grundfreibetrag) auf dem P-Konto: 1.491,75 EUR/month. Erhoehung bei Unterhaltspflichten moeglich. Beispiel: Nettoeinkommen 2.500 EUR, 1 unterhaltsberechtigtes Kind. Pfaendungsfreigrenze: 2.059,99 EUR. Uebersteigender Betrag: 2.500 - 2.059,99 = 440,01 EUR. Pfaendbarer share (aus Tabelle): ca. 308 EUR. Dem Schuldner verbleiben: 2.500 - 308 = 2.192 EUR.
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.
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