Wage Garnishment Calculator & Table 2026/2027

How much of your wages or pension can be garnished in Germany? With the official values from 1 July 2026 under § 850c ZPO, for monthly, weekly and daily pay, plus the P-Konto allowance.

Official values from 1 July 2026Free & no sign-upNo data sharing

Key facts

Without dependants, €1,587.40 net a month is exempt. Garnishment starts at €1,590.00.
Dependants raise the limit: by €597.42 for the first person and by €332.83 each for the second to fifth.
Of the amount above the limit, 70 % can be garnished; with dependants 50, 40, 30, 20 or 10 %.
Anything above €4,866.30 a month can be garnished in full.
A P-Konto protects €1,590.00 a month, more with dependants.

As of: 2026 exemption notice, BGBl. 2026 I No. 80, valid from 1 July 2026 to 30 June 2027

Exemption limits from 1 July 2026

Dependants	Month	Week	Day	P-Konto (month)	Month until 30 Jun 2026
0	1,587.40	365.33	73.06	1,590.00	1,555.00
1	2,184.82	502.83	100.56	2,187.42	2,140.23
2	2,517.65	579.43	115.88	2,520.25	2,466.27
3	2,850.48	656.03	131.20	2,853.08	2,792.31
4	3,183.31	732.63	146.52	3,185.91	3,118.35
5 or more	3,516.14	809.23	161.84	3,518.74	3,444.39
Upper limit (fully garnishable above)	4,866.30	1,119.90	223.99	–	4,766.99

Amounts in euros. Earned income up to these net amounts is exempt (§ 850c (1) and (2) ZPO). P-Konto: basic allowance rounded up to the next full 10 € (§ 899 ZPO) plus increases (§ 902 ZPO), child benefit on top.

Calculate the garnishable amount

Income

Pay period

There is a separate official table for monthly, weekly and daily pay.

Net income per month

€

Amount paid out according to your payslip or pension statement, i.e. after tax and social security.

Deduct (§ 850e ZPO)

€

Exempt payments such as half of overtime pay, additional holiday pay, Christmas bonus up to 795 €, expenses; with private health insurance your premium. Otherwise 0.

Dependants

People you support

Children, spouse or registered civil partner, also former ones, if you actually support them because of a legal obligation – in cash or in a shared household.

At most five people count. If one of them has their own income, the court can disregard them fully or partly at the creditor's request (§ 850c (6) ZPO).

Garnishable amount per month

€638.82

your employer may pay this to the creditor

You keep per month

€1,861.18

of the net pay on your payslip

Exempt amount

€1,861.18

protected part of net income under § 850e

25.6 % of your net income under § 850e can be garnished.

P-Konto allowance

€1,590.00

protected per month on a garnishment protection account (§§ 899, 902 ZPO)

plus €259 child benefit per child if you give the bank a certificate.

How it is calculated

1
Net income under § 850e ZPO
€2,500.00 on your payslip, no deductions
2
Check the upper limit (§ 850c (3) sentence 3)
€2,500.00 is not above the upper limit of €4,866.30.
3
Round down to the table step (§ 850c (5))
Rounded down to a full €10.00: €2,500.00. That is the table row €2,500.00 to €2,509.99.
4
Determine the exemption limit (§ 850c (1) and (2))
Basic amount €1,587.40= exemption limit €1,587.40
5
Calculate the garnishable share (§ 850c (3))
70 % of the excess can be garnished (no dependants).(€2,500.00 − €1,587.40) × 0.7 = €638.82
6
Result
Garnishable: €638.82Exempt: €2,500.00 − €638.82 = €1,861.18

P = (N - F) \cdot q + \max(0,\ E - O)

P = garnishable amount, E = net income under § 850e, N = E rounded down to the table step (at most the upper limit O), F = exemption limit, q = garnishable share (0.7 / 0.5 / 0.4 / 0.3 / 0.2 / 0.1). If N is not greater than F, the first part is 0.

Your row in the garnishment table

Net pay per month	0	1	2	3	4	5 or more
2,470.00 – 2,479.99	617.82	142.59	–	–	–	–
2,480.00 – 2,489.99	624.82	147.59	–	–	–	–
2,490.00 – 2,499.99	631.82	152.59	–	–	–	–
2,500.00 – 2,509.99	638.82	157.59	–	–	–	–
2,510.00 – 2,519.99	645.82	162.59	–	–	–	–
2,520.00 – 2,529.99	652.82	167.59	0.94	–	–	–
2,530.00 – 2,539.99	659.82	172.59	4.94	–	–	–

Garnishable amount with … dependants

Important for your case

Maintenance debts and intentional torts: the table does not apply here. The enforcement court sets a lower personal allowance case by case (§ 850d, § 850f (2) ZPO).

Keeping more: if the exempt amount does not cover your necessary living costs or you have special needs, e.g. due to illness, the enforcement court can set a higher allowance on application (§ 850f (1) ZPO).

Pensions, unemployment benefit and sickness benefit are garnished like earned income (§ 54 (4) SGB I). Basic income support (formerly citizen's income) cannot be garnished (§ 42 (4) SGB II).

What you can do now

Have your current account converted into a P-Konto. The bank must do this at any time; if the account has already been garnished, from the fourth business day after your request (§ 850k ZPO).
Get a certificate for your dependants and child benefit so that the bank applies the higher allowance (§ 903 ZPO).
Check your payslip: if it shows a higher garnishment than here, talk to your employer.
Get free help from a recognised debt advice centre – run by cities, districts, welfare organisations and consumer advice centres.

Information, not legal advice

This calculator reproduces the garnishment table under § 850c ZPO with the amounts valid from 1 July 2026 to 30 June 2027. It does not replace legal advice. What is garnished in your case follows from the garnishment and transfer order and your employer's payroll. For binding and free help, contact a recognised debt advice centre. All information without guarantee.

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Garnishment table 2026/2027 – complete

Garnishable amounts in euros under § 850c ZPO, valid from 1 July 2026 to 30 June 2027. Calculated from the values in the official notice and checked against the official table. Find the row with your net pay under § 850e and the column with your number of dependants.

Table for

Up to €1,589.99 net nothing can be garnished.

Net pay €1,590.00 to €1,999.9941 rows

Net pay €1,590.00 to €1,999.99 – Garnishable amount with … dependants
Net pay per month	Garnishable amount with … dependants
Net pay per month	0	1	2	3	4	5 or more
1,590.00 – 1,599.99	1.82	–	–	–	–	–
1,600.00 – 1,609.99	8.82	–	–	–	–	–
1,610.00 – 1,619.99	15.82	–	–	–	–	–
1,620.00 – 1,629.99	22.82	–	–	–	–	–
1,630.00 – 1,639.99	29.82	–	–	–	–	–
1,640.00 – 1,649.99	36.82	–	–	–	–	–
1,650.00 – 1,659.99	43.82	–	–	–	–	–
1,660.00 – 1,669.99	50.82	–	–	–	–	–
1,670.00 – 1,679.99	57.82	–	–	–	–	–
1,680.00 – 1,689.99	64.82	–	–	–	–	–
1,690.00 – 1,699.99	71.82	–	–	–	–	–
1,700.00 – 1,709.99	78.82	–	–	–	–	–
1,710.00 – 1,719.99	85.82	–	–	–	–	–
1,720.00 – 1,729.99	92.82	–	–	–	–	–
1,730.00 – 1,739.99	99.82	–	–	–	–	–
1,740.00 – 1,749.99	106.82	–	–	–	–	–
1,750.00 – 1,759.99	113.82	–	–	–	–	–
1,760.00 – 1,769.99	120.82	–	–	–	–	–
1,770.00 – 1,779.99	127.82	–	–	–	–	–
1,780.00 – 1,789.99	134.82	–	–	–	–	–
1,790.00 – 1,799.99	141.82	–	–	–	–	–
1,800.00 – 1,809.99	148.82	–	–	–	–	–
1,810.00 – 1,819.99	155.82	–	–	–	–	–
1,820.00 – 1,829.99	162.82	–	–	–	–	–
1,830.00 – 1,839.99	169.82	–	–	–	–	–
1,840.00 – 1,849.99	176.82	–	–	–	–	–
1,850.00 – 1,859.99	183.82	–	–	–	–	–
1,860.00 – 1,869.99	190.82	–	–	–	–	–
1,870.00 – 1,879.99	197.82	–	–	–	–	–
1,880.00 – 1,889.99	204.82	–	–	–	–	–
1,890.00 – 1,899.99	211.82	–	–	–	–	–
1,900.00 – 1,909.99	218.82	–	–	–	–	–
1,910.00 – 1,919.99	225.82	–	–	–	–	–
1,920.00 – 1,929.99	232.82	–	–	–	–	–
1,930.00 – 1,939.99	239.82	–	–	–	–	–
1,940.00 – 1,949.99	246.82	–	–	–	–	–
1,950.00 – 1,959.99	253.82	–	–	–	–	–
1,960.00 – 1,969.99	260.82	–	–	–	–	–
1,970.00 – 1,979.99	267.82	–	–	–	–	–
1,980.00 – 1,989.99	274.82	–	–	–	–	–
1,990.00 – 1,999.99	281.82	–	–	–	–	–

Net pay €2,000.00 to €2,499.9950 rows

Net pay €2,000.00 to €2,499.99 – Garnishable amount with … dependants
Net pay per month	Garnishable amount with … dependants
Net pay per month	0	1	2	3	4	5 or more
2,000.00 – 2,009.99	288.82	–	–	–	–	–
2,010.00 – 2,019.99	295.82	–	–	–	–	–
2,020.00 – 2,029.99	302.82	–	–	–	–	–
2,030.00 – 2,039.99	309.82	–	–	–	–	–
2,040.00 – 2,049.99	316.82	–	–	–	–	–
2,050.00 – 2,059.99	323.82	–	–	–	–	–
2,060.00 – 2,069.99	330.82	–	–	–	–	–
2,070.00 – 2,079.99	337.82	–	–	–	–	–
2,080.00 – 2,089.99	344.82	–	–	–	–	–
2,090.00 – 2,099.99	351.82	–	–	–	–	–
2,100.00 – 2,109.99	358.82	–	–	–	–	–
2,110.00 – 2,119.99	365.82	–	–	–	–	–
2,120.00 – 2,129.99	372.82	–	–	–	–	–
2,130.00 – 2,139.99	379.82	–	–	–	–	–
2,140.00 – 2,149.99	386.82	–	–	–	–	–
2,150.00 – 2,159.99	393.82	–	–	–	–	–
2,160.00 – 2,169.99	400.82	–	–	–	–	–
2,170.00 – 2,179.99	407.82	–	–	–	–	–
2,180.00 – 2,189.99	414.82	–	–	–	–	–
2,190.00 – 2,199.99	421.82	2.59	–	–	–	–
2,200.00 – 2,209.99	428.82	7.59	–	–	–	–
2,210.00 – 2,219.99	435.82	12.59	–	–	–	–
2,220.00 – 2,229.99	442.82	17.59	–	–	–	–
2,230.00 – 2,239.99	449.82	22.59	–	–	–	–
2,240.00 – 2,249.99	456.82	27.59	–	–	–	–
2,250.00 – 2,259.99	463.82	32.59	–	–	–	–
2,260.00 – 2,269.99	470.82	37.59	–	–	–	–
2,270.00 – 2,279.99	477.82	42.59	–	–	–	–
2,280.00 – 2,289.99	484.82	47.59	–	–	–	–
2,290.00 – 2,299.99	491.82	52.59	–	–	–	–
2,300.00 – 2,309.99	498.82	57.59	–	–	–	–
2,310.00 – 2,319.99	505.82	62.59	–	–	–	–
2,320.00 – 2,329.99	512.82	67.59	–	–	–	–
2,330.00 – 2,339.99	519.82	72.59	–	–	–	–
2,340.00 – 2,349.99	526.82	77.59	–	–	–	–
2,350.00 – 2,359.99	533.82	82.59	–	–	–	–
2,360.00 – 2,369.99	540.82	87.59	–	–	–	–
2,370.00 – 2,379.99	547.82	92.59	–	–	–	–
2,380.00 – 2,389.99	554.82	97.59	–	–	–	–
2,390.00 – 2,399.99	561.82	102.59	–	–	–	–
2,400.00 – 2,409.99	568.82	107.59	–	–	–	–
2,410.00 – 2,419.99	575.82	112.59	–	–	–	–
2,420.00 – 2,429.99	582.82	117.59	–	–	–	–
2,430.00 – 2,439.99	589.82	122.59	–	–	–	–
2,440.00 – 2,449.99	596.82	127.59	–	–	–	–
2,450.00 – 2,459.99	603.82	132.59	–	–	–	–
2,460.00 – 2,469.99	610.82	137.59	–	–	–	–
2,470.00 – 2,479.99	617.82	142.59	–	–	–	–
2,480.00 – 2,489.99	624.82	147.59	–	–	–	–
2,490.00 – 2,499.99	631.82	152.59	–	–	–	–

Net pay €2,500.00 to €2,999.9950 rowsYour row

Net pay €2,500.00 to €2,999.99 – Garnishable amount with … dependants
Net pay per month	Garnishable amount with … dependants
Net pay per month	0	1	2	3	4	5 or more
2,500.00 – 2,509.99	638.82	157.59	–	–	–	–
2,510.00 – 2,519.99	645.82	162.59	–	–	–	–
2,520.00 – 2,529.99	652.82	167.59	0.94	–	–	–
2,530.00 – 2,539.99	659.82	172.59	4.94	–	–	–
2,540.00 – 2,549.99	666.82	177.59	8.94	–	–	–
2,550.00 – 2,559.99	673.82	182.59	12.94	–	–	–
2,560.00 – 2,569.99	680.82	187.59	16.94	–	–	–
2,570.00 – 2,579.99	687.82	192.59	20.94	–	–	–
2,580.00 – 2,589.99	694.82	197.59	24.94	–	–	–
2,590.00 – 2,599.99	701.82	202.59	28.94	–	–	–
2,600.00 – 2,609.99	708.82	207.59	32.94	–	–	–
2,610.00 – 2,619.99	715.82	212.59	36.94	–	–	–
2,620.00 – 2,629.99	722.82	217.59	40.94	–	–	–
2,630.00 – 2,639.99	729.82	222.59	44.94	–	–	–
2,640.00 – 2,649.99	736.82	227.59	48.94	–	–	–
2,650.00 – 2,659.99	743.82	232.59	52.94	–	–	–
2,660.00 – 2,669.99	750.82	237.59	56.94	–	–	–
2,670.00 – 2,679.99	757.82	242.59	60.94	–	–	–
2,680.00 – 2,689.99	764.82	247.59	64.94	–	–	–
2,690.00 – 2,699.99	771.82	252.59	68.94	–	–	–
2,700.00 – 2,709.99	778.82	257.59	72.94	–	–	–
2,710.00 – 2,719.99	785.82	262.59	76.94	–	–	–
2,720.00 – 2,729.99	792.82	267.59	80.94	–	–	–
2,730.00 – 2,739.99	799.82	272.59	84.94	–	–	–
2,740.00 – 2,749.99	806.82	277.59	88.94	–	–	–
2,750.00 – 2,759.99	813.82	282.59	92.94	–	–	–
2,760.00 – 2,769.99	820.82	287.59	96.94	–	–	–
2,770.00 – 2,779.99	827.82	292.59	100.94	–	–	–
2,780.00 – 2,789.99	834.82	297.59	104.94	–	–	–
2,790.00 – 2,799.99	841.82	302.59	108.94	–	–	–
2,800.00 – 2,809.99	848.82	307.59	112.94	–	–	–
2,810.00 – 2,819.99	855.82	312.59	116.94	–	–	–
2,820.00 – 2,829.99	862.82	317.59	120.94	–	–	–
2,830.00 – 2,839.99	869.82	322.59	124.94	–	–	–
2,840.00 – 2,849.99	876.82	327.59	128.94	–	–	–
2,850.00 – 2,859.99	883.82	332.59	132.94	–	–	–
2,860.00 – 2,869.99	890.82	337.59	136.94	2.86	–	–
2,870.00 – 2,879.99	897.82	342.59	140.94	5.86	–	–
2,880.00 – 2,889.99	904.82	347.59	144.94	8.86	–	–
2,890.00 – 2,899.99	911.82	352.59	148.94	11.86	–	–
2,900.00 – 2,909.99	918.82	357.59	152.94	14.86	–	–
2,910.00 – 2,919.99	925.82	362.59	156.94	17.86	–	–
2,920.00 – 2,929.99	932.82	367.59	160.94	20.86	–	–
2,930.00 – 2,939.99	939.82	372.59	164.94	23.86	–	–
2,940.00 – 2,949.99	946.82	377.59	168.94	26.86	–	–
2,950.00 – 2,959.99	953.82	382.59	172.94	29.86	–	–
2,960.00 – 2,969.99	960.82	387.59	176.94	32.86	–	–
2,970.00 – 2,979.99	967.82	392.59	180.94	35.86	–	–
2,980.00 – 2,989.99	974.82	397.59	184.94	38.86	–	–
2,990.00 – 2,999.99	981.82	402.59	188.94	41.86	–	–

Net pay €3,000.00 to €3,499.9950 rows

Net pay €3,000.00 to €3,499.99 – Garnishable amount with … dependants
Net pay per month	Garnishable amount with … dependants
Net pay per month	0	1	2	3	4	5 or more
3,000.00 – 3,009.99	988.82	407.59	192.94	44.86	–	–
3,010.00 – 3,019.99	995.82	412.59	196.94	47.86	–	–
3,020.00 – 3,029.99	1,002.82	417.59	200.94	50.86	–	–
3,030.00 – 3,039.99	1,009.82	422.59	204.94	53.86	–	–
3,040.00 – 3,049.99	1,016.82	427.59	208.94	56.86	–	–
3,050.00 – 3,059.99	1,023.82	432.59	212.94	59.86	–	–
3,060.00 – 3,069.99	1,030.82	437.59	216.94	62.86	–	–
3,070.00 – 3,079.99	1,037.82	442.59	220.94	65.86	–	–
3,080.00 – 3,089.99	1,044.82	447.59	224.94	68.86	–	–
3,090.00 – 3,099.99	1,051.82	452.59	228.94	71.86	–	–
3,100.00 – 3,109.99	1,058.82	457.59	232.94	74.86	–	–
3,110.00 – 3,119.99	1,065.82	462.59	236.94	77.86	–	–
3,120.00 – 3,129.99	1,072.82	467.59	240.94	80.86	–	–
3,130.00 – 3,139.99	1,079.82	472.59	244.94	83.86	–	–
3,140.00 – 3,149.99	1,086.82	477.59	248.94	86.86	–	–
3,150.00 – 3,159.99	1,093.82	482.59	252.94	89.86	–	–
3,160.00 – 3,169.99	1,100.82	487.59	256.94	92.86	–	–
3,170.00 – 3,179.99	1,107.82	492.59	260.94	95.86	–	–
3,180.00 – 3,189.99	1,114.82	497.59	264.94	98.86	–	–
3,190.00 – 3,199.99	1,121.82	502.59	268.94	101.86	1.34	–
3,200.00 – 3,209.99	1,128.82	507.59	272.94	104.86	3.34	–
3,210.00 – 3,219.99	1,135.82	512.59	276.94	107.86	5.34	–
3,220.00 – 3,229.99	1,142.82	517.59	280.94	110.86	7.34	–
3,230.00 – 3,239.99	1,149.82	522.59	284.94	113.86	9.34	–
3,240.00 – 3,249.99	1,156.82	527.59	288.94	116.86	11.34	–
3,250.00 – 3,259.99	1,163.82	532.59	292.94	119.86	13.34	–
3,260.00 – 3,269.99	1,170.82	537.59	296.94	122.86	15.34	–
3,270.00 – 3,279.99	1,177.82	542.59	300.94	125.86	17.34	–
3,280.00 – 3,289.99	1,184.82	547.59	304.94	128.86	19.34	–
3,290.00 – 3,299.99	1,191.82	552.59	308.94	131.86	21.34	–
3,300.00 – 3,309.99	1,198.82	557.59	312.94	134.86	23.34	–
3,310.00 – 3,319.99	1,205.82	562.59	316.94	137.86	25.34	–
3,320.00 – 3,329.99	1,212.82	567.59	320.94	140.86	27.34	–
3,330.00 – 3,339.99	1,219.82	572.59	324.94	143.86	29.34	–
3,340.00 – 3,349.99	1,226.82	577.59	328.94	146.86	31.34	–
3,350.00 – 3,359.99	1,233.82	582.59	332.94	149.86	33.34	–
3,360.00 – 3,369.99	1,240.82	587.59	336.94	152.86	35.34	–
3,370.00 – 3,379.99	1,247.82	592.59	340.94	155.86	37.34	–
3,380.00 – 3,389.99	1,254.82	597.59	344.94	158.86	39.34	–
3,390.00 – 3,399.99	1,261.82	602.59	348.94	161.86	41.34	–
3,400.00 – 3,409.99	1,268.82	607.59	352.94	164.86	43.34	–
3,410.00 – 3,419.99	1,275.82	612.59	356.94	167.86	45.34	–
3,420.00 – 3,429.99	1,282.82	617.59	360.94	170.86	47.34	–
3,430.00 – 3,439.99	1,289.82	622.59	364.94	173.86	49.34	–
3,440.00 – 3,449.99	1,296.82	627.59	368.94	176.86	51.34	–
3,450.00 – 3,459.99	1,303.82	632.59	372.94	179.86	53.34	–
3,460.00 – 3,469.99	1,310.82	637.59	376.94	182.86	55.34	–
3,470.00 – 3,479.99	1,317.82	642.59	380.94	185.86	57.34	–
3,480.00 – 3,489.99	1,324.82	647.59	384.94	188.86	59.34	–
3,490.00 – 3,499.99	1,331.82	652.59	388.94	191.86	61.34	–

Net pay €3,500.00 to €3,999.9950 rows

Net pay €3,500.00 to €3,999.99 – Garnishable amount with … dependants
Net pay per month	Garnishable amount with … dependants
Net pay per month	0	1	2	3	4	5 or more
3,500.00 – 3,509.99	1,338.82	657.59	392.94	194.86	63.34	–
3,510.00 – 3,519.99	1,345.82	662.59	396.94	197.86	65.34	–
3,520.00 – 3,529.99	1,352.82	667.59	400.94	200.86	67.34	0.39
3,530.00 – 3,539.99	1,359.82	672.59	404.94	203.86	69.34	1.39
3,540.00 – 3,549.99	1,366.82	677.59	408.94	206.86	71.34	2.39
3,550.00 – 3,559.99	1,373.82	682.59	412.94	209.86	73.34	3.39
3,560.00 – 3,569.99	1,380.82	687.59	416.94	212.86	75.34	4.39
3,570.00 – 3,579.99	1,387.82	692.59	420.94	215.86	77.34	5.39
3,580.00 – 3,589.99	1,394.82	697.59	424.94	218.86	79.34	6.39
3,590.00 – 3,599.99	1,401.82	702.59	428.94	221.86	81.34	7.39
3,600.00 – 3,609.99	1,408.82	707.59	432.94	224.86	83.34	8.39
3,610.00 – 3,619.99	1,415.82	712.59	436.94	227.86	85.34	9.39
3,620.00 – 3,629.99	1,422.82	717.59	440.94	230.86	87.34	10.39
3,630.00 – 3,639.99	1,429.82	722.59	444.94	233.86	89.34	11.39
3,640.00 – 3,649.99	1,436.82	727.59	448.94	236.86	91.34	12.39
3,650.00 – 3,659.99	1,443.82	732.59	452.94	239.86	93.34	13.39
3,660.00 – 3,669.99	1,450.82	737.59	456.94	242.86	95.34	14.39
3,670.00 – 3,679.99	1,457.82	742.59	460.94	245.86	97.34	15.39
3,680.00 – 3,689.99	1,464.82	747.59	464.94	248.86	99.34	16.39
3,690.00 – 3,699.99	1,471.82	752.59	468.94	251.86	101.34	17.39
3,700.00 – 3,709.99	1,478.82	757.59	472.94	254.86	103.34	18.39
3,710.00 – 3,719.99	1,485.82	762.59	476.94	257.86	105.34	19.39
3,720.00 – 3,729.99	1,492.82	767.59	480.94	260.86	107.34	20.39
3,730.00 – 3,739.99	1,499.82	772.59	484.94	263.86	109.34	21.39
3,740.00 – 3,749.99	1,506.82	777.59	488.94	266.86	111.34	22.39
3,750.00 – 3,759.99	1,513.82	782.59	492.94	269.86	113.34	23.39
3,760.00 – 3,769.99	1,520.82	787.59	496.94	272.86	115.34	24.39
3,770.00 – 3,779.99	1,527.82	792.59	500.94	275.86	117.34	25.39
3,780.00 – 3,789.99	1,534.82	797.59	504.94	278.86	119.34	26.39
3,790.00 – 3,799.99	1,541.82	802.59	508.94	281.86	121.34	27.39
3,800.00 – 3,809.99	1,548.82	807.59	512.94	284.86	123.34	28.39
3,810.00 – 3,819.99	1,555.82	812.59	516.94	287.86	125.34	29.39
3,820.00 – 3,829.99	1,562.82	817.59	520.94	290.86	127.34	30.39
3,830.00 – 3,839.99	1,569.82	822.59	524.94	293.86	129.34	31.39
3,840.00 – 3,849.99	1,576.82	827.59	528.94	296.86	131.34	32.39
3,850.00 – 3,859.99	1,583.82	832.59	532.94	299.86	133.34	33.39
3,860.00 – 3,869.99	1,590.82	837.59	536.94	302.86	135.34	34.39
3,870.00 – 3,879.99	1,597.82	842.59	540.94	305.86	137.34	35.39
3,880.00 – 3,889.99	1,604.82	847.59	544.94	308.86	139.34	36.39
3,890.00 – 3,899.99	1,611.82	852.59	548.94	311.86	141.34	37.39
3,900.00 – 3,909.99	1,618.82	857.59	552.94	314.86	143.34	38.39
3,910.00 – 3,919.99	1,625.82	862.59	556.94	317.86	145.34	39.39
3,920.00 – 3,929.99	1,632.82	867.59	560.94	320.86	147.34	40.39
3,930.00 – 3,939.99	1,639.82	872.59	564.94	323.86	149.34	41.39
3,940.00 – 3,949.99	1,646.82	877.59	568.94	326.86	151.34	42.39
3,950.00 – 3,959.99	1,653.82	882.59	572.94	329.86	153.34	43.39
3,960.00 – 3,969.99	1,660.82	887.59	576.94	332.86	155.34	44.39
3,970.00 – 3,979.99	1,667.82	892.59	580.94	335.86	157.34	45.39
3,980.00 – 3,989.99	1,674.82	897.59	584.94	338.86	159.34	46.39
3,990.00 – 3,999.99	1,681.82	902.59	588.94	341.86	161.34	47.39

Net pay €4,000.00 to €4,499.9950 rows

Net pay €4,000.00 to €4,499.99 – Garnishable amount with … dependants
Net pay per month	Garnishable amount with … dependants
Net pay per month	0	1	2	3	4	5 or more
4,000.00 – 4,009.99	1,688.82	907.59	592.94	344.86	163.34	48.39
4,010.00 – 4,019.99	1,695.82	912.59	596.94	347.86	165.34	49.39
4,020.00 – 4,029.99	1,702.82	917.59	600.94	350.86	167.34	50.39
4,030.00 – 4,039.99	1,709.82	922.59	604.94	353.86	169.34	51.39
4,040.00 – 4,049.99	1,716.82	927.59	608.94	356.86	171.34	52.39
4,050.00 – 4,059.99	1,723.82	932.59	612.94	359.86	173.34	53.39
4,060.00 – 4,069.99	1,730.82	937.59	616.94	362.86	175.34	54.39
4,070.00 – 4,079.99	1,737.82	942.59	620.94	365.86	177.34	55.39
4,080.00 – 4,089.99	1,744.82	947.59	624.94	368.86	179.34	56.39
4,090.00 – 4,099.99	1,751.82	952.59	628.94	371.86	181.34	57.39
4,100.00 – 4,109.99	1,758.82	957.59	632.94	374.86	183.34	58.39
4,110.00 – 4,119.99	1,765.82	962.59	636.94	377.86	185.34	59.39
4,120.00 – 4,129.99	1,772.82	967.59	640.94	380.86	187.34	60.39
4,130.00 – 4,139.99	1,779.82	972.59	644.94	383.86	189.34	61.39
4,140.00 – 4,149.99	1,786.82	977.59	648.94	386.86	191.34	62.39
4,150.00 – 4,159.99	1,793.82	982.59	652.94	389.86	193.34	63.39
4,160.00 – 4,169.99	1,800.82	987.59	656.94	392.86	195.34	64.39
4,170.00 – 4,179.99	1,807.82	992.59	660.94	395.86	197.34	65.39
4,180.00 – 4,189.99	1,814.82	997.59	664.94	398.86	199.34	66.39
4,190.00 – 4,199.99	1,821.82	1,002.59	668.94	401.86	201.34	67.39
4,200.00 – 4,209.99	1,828.82	1,007.59	672.94	404.86	203.34	68.39
4,210.00 – 4,219.99	1,835.82	1,012.59	676.94	407.86	205.34	69.39
4,220.00 – 4,229.99	1,842.82	1,017.59	680.94	410.86	207.34	70.39
4,230.00 – 4,239.99	1,849.82	1,022.59	684.94	413.86	209.34	71.39
4,240.00 – 4,249.99	1,856.82	1,027.59	688.94	416.86	211.34	72.39
4,250.00 – 4,259.99	1,863.82	1,032.59	692.94	419.86	213.34	73.39
4,260.00 – 4,269.99	1,870.82	1,037.59	696.94	422.86	215.34	74.39
4,270.00 – 4,279.99	1,877.82	1,042.59	700.94	425.86	217.34	75.39
4,280.00 – 4,289.99	1,884.82	1,047.59	704.94	428.86	219.34	76.39
4,290.00 – 4,299.99	1,891.82	1,052.59	708.94	431.86	221.34	77.39
4,300.00 – 4,309.99	1,898.82	1,057.59	712.94	434.86	223.34	78.39
4,310.00 – 4,319.99	1,905.82	1,062.59	716.94	437.86	225.34	79.39
4,320.00 – 4,329.99	1,912.82	1,067.59	720.94	440.86	227.34	80.39
4,330.00 – 4,339.99	1,919.82	1,072.59	724.94	443.86	229.34	81.39
4,340.00 – 4,349.99	1,926.82	1,077.59	728.94	446.86	231.34	82.39
4,350.00 – 4,359.99	1,933.82	1,082.59	732.94	449.86	233.34	83.39
4,360.00 – 4,369.99	1,940.82	1,087.59	736.94	452.86	235.34	84.39
4,370.00 – 4,379.99	1,947.82	1,092.59	740.94	455.86	237.34	85.39
4,380.00 – 4,389.99	1,954.82	1,097.59	744.94	458.86	239.34	86.39
4,390.00 – 4,399.99	1,961.82	1,102.59	748.94	461.86	241.34	87.39
4,400.00 – 4,409.99	1,968.82	1,107.59	752.94	464.86	243.34	88.39
4,410.00 – 4,419.99	1,975.82	1,112.59	756.94	467.86	245.34	89.39
4,420.00 – 4,429.99	1,982.82	1,117.59	760.94	470.86	247.34	90.39
4,430.00 – 4,439.99	1,989.82	1,122.59	764.94	473.86	249.34	91.39
4,440.00 – 4,449.99	1,996.82	1,127.59	768.94	476.86	251.34	92.39
4,450.00 – 4,459.99	2,003.82	1,132.59	772.94	479.86	253.34	93.39
4,460.00 – 4,469.99	2,010.82	1,137.59	776.94	482.86	255.34	94.39
4,470.00 – 4,479.99	2,017.82	1,142.59	780.94	485.86	257.34	95.39
4,480.00 – 4,489.99	2,024.82	1,147.59	784.94	488.86	259.34	96.39
4,490.00 – 4,499.99	2,031.82	1,152.59	788.94	491.86	261.34	97.39

Net pay €4,500.00 to €4,866.3037 rows

Net pay €4,500.00 to €4,866.30 – Garnishable amount with … dependants
Net pay per month	Garnishable amount with … dependants
Net pay per month	0	1	2	3	4	5 or more
4,500.00 – 4,509.99	2,038.82	1,157.59	792.94	494.86	263.34	98.39
4,510.00 – 4,519.99	2,045.82	1,162.59	796.94	497.86	265.34	99.39
4,520.00 – 4,529.99	2,052.82	1,167.59	800.94	500.86	267.34	100.39
4,530.00 – 4,539.99	2,059.82	1,172.59	804.94	503.86	269.34	101.39
4,540.00 – 4,549.99	2,066.82	1,177.59	808.94	506.86	271.34	102.39
4,550.00 – 4,559.99	2,073.82	1,182.59	812.94	509.86	273.34	103.39
4,560.00 – 4,569.99	2,080.82	1,187.59	816.94	512.86	275.34	104.39
4,570.00 – 4,579.99	2,087.82	1,192.59	820.94	515.86	277.34	105.39
4,580.00 – 4,589.99	2,094.82	1,197.59	824.94	518.86	279.34	106.39
4,590.00 – 4,599.99	2,101.82	1,202.59	828.94	521.86	281.34	107.39
4,600.00 – 4,609.99	2,108.82	1,207.59	832.94	524.86	283.34	108.39
4,610.00 – 4,619.99	2,115.82	1,212.59	836.94	527.86	285.34	109.39
4,620.00 – 4,629.99	2,122.82	1,217.59	840.94	530.86	287.34	110.39
4,630.00 – 4,639.99	2,129.82	1,222.59	844.94	533.86	289.34	111.39
4,640.00 – 4,649.99	2,136.82	1,227.59	848.94	536.86	291.34	112.39
4,650.00 – 4,659.99	2,143.82	1,232.59	852.94	539.86	293.34	113.39
4,660.00 – 4,669.99	2,150.82	1,237.59	856.94	542.86	295.34	114.39
4,670.00 – 4,679.99	2,157.82	1,242.59	860.94	545.86	297.34	115.39
4,680.00 – 4,689.99	2,164.82	1,247.59	864.94	548.86	299.34	116.39
4,690.00 – 4,699.99	2,171.82	1,252.59	868.94	551.86	301.34	117.39
4,700.00 – 4,709.99	2,178.82	1,257.59	872.94	554.86	303.34	118.39
4,710.00 – 4,719.99	2,185.82	1,262.59	876.94	557.86	305.34	119.39
4,720.00 – 4,729.99	2,192.82	1,267.59	880.94	560.86	307.34	120.39
4,730.00 – 4,739.99	2,199.82	1,272.59	884.94	563.86	309.34	121.39
4,740.00 – 4,749.99	2,206.82	1,277.59	888.94	566.86	311.34	122.39
4,750.00 – 4,759.99	2,213.82	1,282.59	892.94	569.86	313.34	123.39
4,760.00 – 4,769.99	2,220.82	1,287.59	896.94	572.86	315.34	124.39
4,770.00 – 4,779.99	2,227.82	1,292.59	900.94	575.86	317.34	125.39
4,780.00 – 4,789.99	2,234.82	1,297.59	904.94	578.86	319.34	126.39
4,790.00 – 4,799.99	2,241.82	1,302.59	908.94	581.86	321.34	127.39
4,800.00 – 4,809.99	2,248.82	1,307.59	912.94	584.86	323.34	128.39
4,810.00 – 4,819.99	2,255.82	1,312.59	916.94	587.86	325.34	129.39
4,820.00 – 4,829.99	2,262.82	1,317.59	920.94	590.86	327.34	130.39
4,830.00 – 4,839.99	2,269.82	1,322.59	924.94	593.86	329.34	131.39
4,840.00 – 4,849.99	2,276.82	1,327.59	928.94	596.86	331.34	132.39
4,850.00 – 4,859.99	2,283.82	1,332.59	932.94	599.86	333.34	133.39
4,860.00 – 4,866.30	2,290.82	1,337.59	936.94	602.86	335.34	134.39

The excess above €4,866.30 can be garnished in full and is added to the value in the last row.

What counts as net income?

The garnishment table applies to net income as defined in § 850e ZPO. That is not always exactly the amount that reaches your account.

First the exempt payments under § 850a ZPO are deducted from gross pay: half of overtime pay, additional holiday pay, a Christmas bonus up to 795 €, expense allowances and allowances for danger, dirt or hardship within the usual range. Then tax and social security contributions are deducted. With private health insurance, the usual premiums count like social security contributions.

If you receive benefits in kind besides your cash wage, for example a company car for private use, cash and benefits in kind are added together (§ 850e No. 3 ZPO). Several incomes, e.g. wages and a pension, are added together by the enforcement court on application (§ 850e No. 2 and 2a ZPO).

Sources and status

As of 26 Oct 2026. All amounts apply from 1 July 2026 to 30 June 2027.

Calculate your net pay from your gross salary

Gross-to-Net Salary Calculator →

Guide: Wage Garnishment & P-Konto

Garnishment table, allowances and what you can do when your wages are garnished.

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Wage Garnishment in Germany 2026: How the Garnishable Amount Is Calculated

Exemption limit, dependants, upper limit and 10 € steps: how the garnishment table under § 850c ZPO is built, with worked examples and all values from 1 July 2026.

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Garnishment Table 2026/2027: Exemption Amounts from 1 July 2026

All new exemption limits at a glance: 1,587.40 € basic amount, increases for dependants, upper limit 4,866.30 € and the comparison with the previous year.

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P-Konto: How to Get Your Protected Amount Raised

From 1 July 2026 a P-Konto protects 1,590 € a month. With dependants, child benefit or social benefits it is more – if you give your bank the right certificate.

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What Can Be Garnished from Your Wages in Germany?

Overtime, holiday pay, Christmas bonus, expenses, pensions and social benefits: which parts of your income are protected and which go into the garnishment table.

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Frequently Asked Questions

It depends on your net income and on the number of people you support. Without dependants, 1,587.40 € a month is exempt. Of the amount above that, 70 % can be garnished; with one dependant 50 %, with two 40 %, with three 30 %, with four 20 % and with five or more 10 %. Example: with 2,500 € net and no dependants, 638.82 € can be garnished. The values are set by the 2026 exemption notice (BGBl. 2026 I No. 80) and apply until 30 June 2027.

Without dependants from 1,590.00 € net a month, because the garnishment table works in 10 € steps and the limit is 1,587.40 €. With one dependant garnishment starts at 2,190.00 €, with two at 2,520.00 €, with three at 2,860.00 €, with four at 3,190.00 € and with five or more at 3,520.00 €. If you are paid weekly you are protected up to 367.49 €, if paid daily up to 73.49 €.

People you actually support because of a legal obligation count: children and other relatives you owe maintenance to, your spouse or registered civil partner, also former ones, and the other parent of your child under §§ 1615l, 1615n of the Civil Code. This can be cash maintenance or support in kind in a shared household. Unmarried partners without a child together do not count. At most five people are taken into account. If one of them has their own income, the enforcement court can disregard them fully or partly at the creditor's request (§ 850c (6) ZPO).

Up to this limit, part of the amount above the exemption limit stays protected. Anything above 4,866.30 € net a month can be garnished in full (§ 850c (3) sentence 3 ZPO). Example without dependants: with 5,000 € net, 2,290.82 € from the table plus 133.70 € above the upper limit can be garnished, 2,424.52 € in total. The weekly limit is 1,119.90 € and the daily limit 223.99 €.

What counts is net income as defined in § 850e ZPO. First the exempt payments under § 850a ZPO are deducted from gross pay, such as half of any overtime pay, additional holiday pay or a Christmas bonus up to 795 €. Then income tax, solidarity surcharge, church tax and social security contributions are deducted. If you have private health insurance, the usual premiums can be deducted too. In the calculator you enter such amounts under 'Deduct'.

The basic allowance on a garnishment protection account (P-Konto) is 1,590 € a month: the exemption limit of 1,587.40 €, rounded up to the next full 10 € (§ 899 (1) ZPO). For the first dependant 597.42 € is added, for the second to fifth 332.83 € each (§ 902 ZPO). With two dependants it is 2,520.25 €. Child benefit (259 € per child) is protected on top. For the increase the bank needs a certificate, for example from the family benefits office, your employer or a debt advice centre.

Partly. Half of overtime pay is exempt (§ 850a No. 1 ZPO). A Christmas bonus is protected up to half of the exemption limit rounded up to the next full 10 €, so up to 795 € from 1 July 2026 (§ 850a No. 4 ZPO). Additional holiday pay, loyalty bonuses and allowances for danger, dirt or hardship are exempt as long as they are within the usual range. The rest is added to net income and goes into the table.

No. If maintenance creditors garnish because of maintenance, § 850d ZPO applies: the enforcement court decides how much you keep for your own necessary living costs and for maintenance obligations that rank higher. This is usually clearly less than the table. The same is true for claims arising from an intentional tort (§ 850f (2) ZPO). The calculator only covers ordinary garnishment under § 850c ZPO.

Ongoing cash benefits such as pensions, unemployment benefit or sickness benefit can be garnished like earned income (§ 54 (4) SGB I). The same garnishment table applies to them. Benefits that secure your living costs under SGB II, i.e. basic income support (formerly citizen's income), cannot be garnished (§ 42 (4) SGB II).

The exemption limits change every year on 1 July in line with the basic tax-free allowance (§ 850c (4) ZPO). The Federal Ministry of Justice publishes the new amounts beforehand in the Federal Law Gazette. The current values apply from 1 July 2026 to 30 June 2027. The amounts from 1 July 2027 have not been published yet.

At a recognised debt advice centre. They are run by cities and districts, welfare organisations and consumer advice centres. Advice is usually free and confidential. The advisers check the garnishment, issue the P-Konto certificate and help with negotiations with creditors or with personal insolvency.

Wage Garnishment Calculator & Table 2026/2027

Key facts

Exemption limits from 1 July 2026

Calculate the garnishable amount

Income

Dependants

How it is calculated

Your row in the garnishment table

Important for your case

What you can do now

Information, not legal advice

Garnishment table 2026/2027 – complete

What counts as net income?

Sources and status

Guide: Wage Garnishment & P-Konto

Wage Garnishment in Germany 2026: How the Garnishable Amount Is Calculated

Garnishment Table 2026/2027: Exemption Amounts from 1 July 2026

P-Konto: How to Get Your Protected Amount Raised

What Can Be Garnished from Your Wages in Germany?

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Frequently Asked Questions

How much of my wages can be garnished from 1 July 2026?▾

From what net income does garnishment start?▾

Which people count as dependants?▾

What does the upper limit of 4,866.30 € mean?▾

Which net income counts for garnishment?▾

How high is the P-Konto allowance from 1 July 2026?▾

Are overtime pay and Christmas bonuses garnished?▾

Does the table also apply to maintenance debts?▾

Can pensions, unemployment benefit or basic income support be garnished?▾

When will the garnishment table change again?▾

Where can I get free help with a garnishment?▾