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This much of your net income stays protected in a wage garnishment. Under section 850c of the German Code of Civil Procedure (ZPO), with the amounts from the 2026 garnishment exemption notice (Pfändungsfreigrenzenbekanntmachung).
Monthly amounts. Weekly and daily figures are listed in the official notice (BGBl. 2026 I Nr. 80).
Enter your net income, select your maintenance obligations. The result applies to a monthly income.
Your exempt amount €1,587.40
You can also type the amount in directly, for example 2345.
Attachable per month
€498.82
7/10 of the amount above the exempt amount
You keep
€1,801.18
Net income minus the attachable amount
Calculated as in the official table: income rounded down to the nearest full €10, exempt amount deducted, and of the remainder 7/10, 5/10, 4/10, 3/10, 2/10 or 1/10 attachable, depending on maintenance obligations. Everything above €4,866.30 is fully attachable. Earnings exempt from garnishment under section 850a of the German Code of Civil Procedure (ZPO) are deducted beforehand. Not legal advice.
Attachable amount per month, by net income and number of maintenance obligations.
Each row stands for a band of €10 (for example €1,600.00 to €1,609.99); the official table lists every band, this one every tenth. The calculator above gives the values in between. Above €4,866.30, the excess is fully attachable on top. Source: Pfändungsfreigrenzenbekanntmachung 2026 (garnishment exemption notice) of 19 March 2026, BGBl. 2026 I Nr. 80, section 850c ZPO. No guarantee is given for the accuracy of this information.
Net income after tax and social security contributions. Some components are fully or partly exempt from garnishment, such as half of any overtime pay, or a Christmas bonus up to half of the monthly basic exempt amount (section 850a ZPO). These are deducted beforehand.
People you are legally obliged to maintain and actually pay maintenance to: children, spouses, divorced spouses. If a person has income of their own, the enforcement court can, on the creditor's application, disregard them fully or in part (section 850c(6) ZPO).
€2,300 net, one child: the exempt amount is €2,184.82. Half of the excess of €115.18 is attachable, which is €57.59. You keep €2,242.41.
Without a child, €2,300 net would give €498.82, which is 7/10 of the excess above €1,587.40.
The table applies to garnishment through your employer. If your bank account is garnished, a garnishment protection account (P-Konto) protects the basic exempt amount of €1,587.40 per month. With a certificate, the additional amounts for maintenance obligations are added on top.
A garnishment can usually be avoided. Get in touch and we will find a solution: an instalment plan, a deferral or clarification of your case.