Wage Garnishment Calculator 2026
Enter net income plus maintenance duties – the calculator shows the garnishable amount, what you keep, with every step under Section 850c ZPO. Using the amounts valid from 1 July 2026
As of September 2026Basis: Section 850c ZPO, Pfändungsfreigrenzenbekanntmachung 2026 (BGBl. 2026 I Nr. 80)Calculated in your browser – nothing is stored
After taxes plus social security contributions, without exempt pay components · tap or drag
My income is paid . I support under a legal maintenance duty.
Counted are a spouse or civil partner, including a former one, relatives, plus a parent under Sections 1615l, 1615n BGB (Section 850c(2) ZPO).
Garnishable per month
€638.82
€638.82Of €2,500.00 net, €638.82 can be garnished with no maintenance duty. You keep €1,861.18.
Your net income of €2,500.00
- Exempt amount€1,587.4063%
- Kept from the rest€273.7811%
- Garnishable€638.8226%
RZ-26 · headon.pro
Your row in the garnishment table 2026
Net income of 2,500.00 – 2,509.99 euros per month: the garnishable amount by number of maintenance duties.
Highlighted: your number of maintenance duties. Tap to choose another.
| Net income per month | 0 | 1 | 2 | 3 | 4 | 5 or more |
|---|---|---|---|---|---|---|
| up to 1,589.99 | – | – | – | – | – | – |
| 1,590.00 – 1,599.99 | 1.82 | – | – | – | – | – |
| 1,640.00 – 1,649.99 | 36.82 | – | – | – | – | – |
| 1,690.00 – 1,699.99 | 71.82 | – | – | – | – | – |
| 1,740.00 – 1,749.99 | 106.82 | – | – | – | – | – |
| 1,790.00 – 1,799.99 | 141.82 | – | – | – | – | – |
| 1,840.00 – 1,849.99 | 176.82 | – | – | – | – | – |
| 1,890.00 – 1,899.99 | 211.82 | – | – | – | – | – |
| 1,940.00 – 1,949.99 | 246.82 | – | – | – | – | – |
| 1,990.00 – 1,999.99 | 281.82 | – | – | – | – | – |
| 2,040.00 – 2,049.99 | 316.82 | – | – | – | – | – |
| 2,090.00 – 2,099.99 | 351.82 | – | – | – | – | – |
| 2,140.00 – 2,149.99 | 386.82 | – | – | – | – | – |
| 2,190.00 – 2,199.99 | 421.82 | 2.59 | – | – | – | – |
| 2,240.00 – 2,249.99 | 456.82 | 27.59 | – | – | – | – |
| 2,290.00 – 2,299.99 | 491.82 | 52.59 | – | – | – | – |
| 2,340.00 – 2,349.99 | 526.82 | 77.59 | – | – | – | – |
| 2,390.00 – 2,399.99 | 561.82 | 102.59 | – | – | – | – |
| 2,440.00 – 2,449.99 | 596.82 | 127.59 | – | – | – | – |
| 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 | – | – | – |
| 2,540.00 – 2,549.99 | 666.82 | 177.59 | 8.94 | – | – | – |
| 2,590.00 – 2,599.99 | 701.82 | 202.59 | 28.94 | – | – | – |
| 2,640.00 – 2,649.99 | 736.82 | 227.59 | 48.94 | – | – | – |
| 2,690.00 – 2,699.99 | 771.82 | 252.59 | 68.94 | – | – | – |
| 2,740.00 – 2,749.99 | 806.82 | 277.59 | 88.94 | – | – | – |
| 2,790.00 – 2,799.99 | 841.82 | 302.59 | 108.94 | – | – | – |
| 2,840.00 – 2,849.99 | 876.82 | 327.59 | 128.94 | – | – | – |
| 2,890.00 – 2,899.99 | 911.82 | 352.59 | 148.94 | 11.86 | – | – |
| 2,940.00 – 2,949.99 | 946.82 | 377.59 | 168.94 | 26.86 | – | – |
| 2,990.00 – 2,999.99 | 981.82 | 402.59 | 188.94 | 41.86 | – | – |
| 3,040.00 – 3,049.99 | 1,016.82 | 427.59 | 208.94 | 56.86 | – | – |
| 3,090.00 – 3,099.99 | 1,051.82 | 452.59 | 228.94 | 71.86 | – | – |
| 3,140.00 – 3,149.99 | 1,086.82 | 477.59 | 248.94 | 86.86 | – | – |
| 3,190.00 – 3,199.99 | 1,121.82 | 502.59 | 268.94 | 101.86 | 1.34 | – |
| 3,240.00 – 3,249.99 | 1,156.82 | 527.59 | 288.94 | 116.86 | 11.34 | – |
| 3,290.00 – 3,299.99 | 1,191.82 | 552.59 | 308.94 | 131.86 | 21.34 | – |
| 3,340.00 – 3,349.99 | 1,226.82 | 577.59 | 328.94 | 146.86 | 31.34 | – |
| 3,390.00 – 3,399.99 | 1,261.82 | 602.59 | 348.94 | 161.86 | 41.34 | – |
| 3,440.00 – 3,449.99 | 1,296.82 | 627.59 | 368.94 | 176.86 | 51.34 | – |
| 3,490.00 – 3,499.99 | 1,331.82 | 652.59 | 388.94 | 191.86 | 61.34 | – |
| 3,540.00 – 3,549.99 | 1,366.82 | 677.59 | 408.94 | 206.86 | 71.34 | 2.39 |
| 3,590.00 – 3,599.99 | 1,401.82 | 702.59 | 428.94 | 221.86 | 81.34 | 7.39 |
| 3,640.00 – 3,649.99 | 1,436.82 | 727.59 | 448.94 | 236.86 | 91.34 | 12.39 |
| 3,690.00 – 3,699.99 | 1,471.82 | 752.59 | 468.94 | 251.86 | 101.34 | 17.39 |
| 3,740.00 – 3,749.99 | 1,506.82 | 777.59 | 488.94 | 266.86 | 111.34 | 22.39 |
| 3,790.00 – 3,799.99 | 1,541.82 | 802.59 | 508.94 | 281.86 | 121.34 | 27.39 |
| 3,840.00 – 3,849.99 | 1,576.82 | 827.59 | 528.94 | 296.86 | 131.34 | 32.39 |
| 3,890.00 – 3,899.99 | 1,611.82 | 852.59 | 548.94 | 311.86 | 141.34 | 37.39 |
| 3,940.00 – 3,949.99 | 1,646.82 | 877.59 | 568.94 | 326.86 | 151.34 | 42.39 |
| 3,990.00 – 3,999.99 | 1,681.82 | 902.59 | 588.94 | 341.86 | 161.34 | 47.39 |
| 4,040.00 – 4,049.99 | 1,716.82 | 927.59 | 608.94 | 356.86 | 171.34 | 52.39 |
| 4,090.00 – 4,099.99 | 1,751.82 | 952.59 | 628.94 | 371.86 | 181.34 | 57.39 |
| 4,140.00 – 4,149.99 | 1,786.82 | 977.59 | 648.94 | 386.86 | 191.34 | 62.39 |
| 4,190.00 – 4,199.99 | 1,821.82 | 1,002.59 | 668.94 | 401.86 | 201.34 | 67.39 |
| 4,240.00 – 4,249.99 | 1,856.82 | 1,027.59 | 688.94 | 416.86 | 211.34 | 72.39 |
| 4,290.00 – 4,299.99 | 1,891.82 | 1,052.59 | 708.94 | 431.86 | 221.34 | 77.39 |
| 4,340.00 – 4,349.99 | 1,926.82 | 1,077.59 | 728.94 | 446.86 | 231.34 | 82.39 |
| 4,390.00 – 4,399.99 | 1,961.82 | 1,102.59 | 748.94 | 461.86 | 241.34 | 87.39 |
| 4,440.00 – 4,449.99 | 1,996.82 | 1,127.59 | 768.94 | 476.86 | 251.34 | 92.39 |
| 4,490.00 – 4,499.99 | 2,031.82 | 1,152.59 | 788.94 | 491.86 | 261.34 | 97.39 |
| 4,540.00 – 4,549.99 | 2,066.82 | 1,177.59 | 808.94 | 506.86 | 271.34 | 102.39 |
| 4,590.00 – 4,599.99 | 2,101.82 | 1,202.59 | 828.94 | 521.86 | 281.34 | 107.39 |
| 4,640.00 – 4,649.99 | 2,136.82 | 1,227.59 | 848.94 | 536.86 | 291.34 | 112.39 |
| 4,690.00 – 4,699.99 | 2,171.82 | 1,252.59 | 868.94 | 551.86 | 301.34 | 117.39 |
| 4,740.00 – 4,749.99 | 2,206.82 | 1,277.59 | 888.94 | 566.86 | 311.34 | 122.39 |
| 4,790.00 – 4,799.99 | 2,241.82 | 1,302.59 | 908.94 | 581.86 | 321.34 | 127.39 |
| 4,840.00 – 4,849.99 | 2,276.82 | 1,327.59 | 928.94 | 596.86 | 331.34 | 132.39 |
| 4,860.00 – 4,866.30 | 2,290.82 | 1,337.59 | 936.94 | 602.86 | 335.34 | 134.39 |
On a phone only your column is shown. All columns: on a wider screen or in the CSV file.
Amounts in euros. Columns: number of persons you support under a legal maintenance duty; “–” means nothing can be garnished. The official table rises in steps of €10.00. Shown here are every fifth row plus the range around your income; the CSV file contains all rows. The part above €4,866.30 can be garnished in full. Tapping a cell adopts its income range with its column.
What can be garnished at which income
Up to the exempt amount nothing can be garnished, above it 7 tenths, above the ceiling everything. Drag the dot to change your income.
What you can do
One more maintenance duty−€481.23
Then €157.59 instead of €638.82 could be garnished. Only persons you support under a legal duty count (Section 850c(2) ZPO).
Of €100 more net income you keep+€30.00
The remaining €70.00 could be garnished in addition.
Only from €1,590.00 net can anything be garnished
With no maintenance duty, €1,587.40 are protected; the calculation uses the income rounded down to a full €10.00.
From €4,866.30 net, everything above can be garnished in full
The part of the income above the ceiling is disregarded when the exempt amount is calculated (Section 850c(3) sentence 3 ZPO).
No net figure at hand?
Living on €1,861.18 per month
How this was calculated
- Net income
- €2,500.00
- Rounded downto a multiple of €10.00, at most up to the ceiling (Section 850c(5) ZPO)
- €2,500.00
- Exempt amountbasic amount €1,587.40
- − €1,587.40
- Income above the exempt amount
- €912.60
- Garnishable share: 7 tenths3 tenths stay exempt (Section 850c(3) ZPO)
- €638.82
- Garnishable amount
- €638.82
- What you keepnet income minus the garnishable amount
- €1,861.18
Which net income counts
It is the income after taxes and social security contributions. Exempt pay components are left out – for example half of the pay for overtime hours and – each within the usual range – holiday pay, expense allowances, hazard, dirt and hardship bonuses (Sections 850a, 850e no. 1 ZPO). Deduct such components first.
Who counts as a maintenance duty
Persons you support because the law obliges you to: a spouse or civil partner, including a former one, relatives, and a parent under Sections 1615l and 1615n BGB (Section 850c(2) ZPO). If one of these persons has an income of their own, the court can decide at the creditor's request that this person counts only partly or not at all (subsection 6).
A garnishment protection account is something else
This calculator covers the garnishment of wages at the employer. On a garnishment protection account (P-Konto), a balance of up to €1,590.00 is protected per calendar month – the monthly basic amount rounded up to the next full 10 euros (Section 899(1) ZPO). Higher allowances on the account are outside the scope of this page.
What the calculator leaves out
If someone enforces statutory maintenance claims, the limits of this table do not apply (Section 850d ZPO). The enforcement court can also change the garnishable amount on request, for instance if the necessary subsistence would otherwise be uncovered (Section 850f ZPO). Several incomes are added together only on request (Section 850e no. 2 ZPO). The result is a calculation under the statute, not legal advice.
Covers the garnishment of wages at the employer – not garnishment for statutory maintenance claims (Section 850d ZPO), nor the garnishment protection account. A calculation under the statute, not legal advice.
Garnishment exemption limits 2026: the amounts from Jul 1, 2026
| Amount in euros | monthly | weekly | daily |
|---|---|---|---|
| Exempt basic amount (Section 850c(1) ZPO) | 1,587.40 | 365.33 | 73.06 |
| Increase for the first supported person (subsection 2, sentence 1) | 597.42 | 137.50 | 27.50 |
| Increase for each second to fifth person (subsection 2, sentence 2) | 332.83 | 76.60 | 15.32 |
| Ceiling – the part above it can be garnished in full (subsection 3, sentence 3) | 4,866.30 | 1,119.90 | 223.99 |
Source: Pfändungsfreigrenzenbekanntmachung 2026, BGBl. 2026 I Nr. 80 · checked against the Federal Law Gazette on Oct 4, 2026 · Table generated from the calculation rule of Section 850c ZPO; it matches the official annex in every row.
Garnishment exemption limit 2026: what can be garnished?
In Germany, wages can only be garnished in part. Up to a basic amount they are fully protected: since 1 July 2026 this is €1,587.40 per month (€365.33 per week, €73.06 per day). The rule is Section 850c of the Code of Civil Procedure (ZPO); the amounts are published in the Pfändungsfreigrenzenbekanntmachung 2026 (Federal Law Gazette, BGBl. 2026 I Nr. 80).
Anyone who supports others under a legal maintenance duty keeps more: for the first person the protected amount rises by €597.42, for each second to fifth person by €332.83 per month. With one maintenance duty €2,184.82 are protected, with two €2,517.65, with five €3,516.14.
Part of the income above that also stays with the debtor: three tenths without a maintenance duty, five tenths with one, plus one tenth for every further person. Only the part of the income above €4,866.30 per month can be garnished in full.
What the calculator shows
- Garnishable amount
- To the cent, as in the official garnishment table
- What you keep
- Net income minus the garnishable amount
- Every step
- Rounding, exempt amount, tenths, income above the ceiling – listed one by one
- Month, week, day
- All three pay periods of the official announcement
How the garnishable amount is calculated
First the net income is rounded down: for monthly pay to full 10 euros, for weekly pay to a multiple of 2.50 euros, for daily pay to a multiple of 0.50 euros (Section 850c(5) ZPO). The protected amount is deducted. Of the remainder, seven, five, four, three, two tenths or one tenth can be garnished, depending on the number of maintenance duties.
Example: €2,500.00 net per month, no maintenance duty. €2,500.00 minus €1,587.40 leaves €912.60; seven tenths of that can be garnished, which is €638.82. The debtor keeps €1,861.18.
With two maintenance duties at €3,000.00 net: €3,000.00 minus €2,517.65 leaves €482.35; four tenths of that can be garnished, which is €192.94. The debtor keeps €2,807.06.
Garnishable share of the income above the protected amount
- 1No maintenance dutySeven tenths can be garnished. Protected: €1,587.40 per month.
- 2One maintenance dutyFive tenths can be garnished. Protected: €2,184.82 per month.
- 3Two maintenance dutiesFour tenths can be garnished. Protected: €2,517.65 per month.
- 4Three maintenance dutiesThree tenths can be garnished. Protected: €2,850.48 per month.
- 5Four maintenance dutiesTwo tenths can be garnished. Protected: €3,183.31 per month.
- 6Five or more maintenance dutiesOne tenth can be garnished. Protected: €3,516.14 per month.
Which net income counts?
The calculation uses the income after taxes and social security contributions (Section 850e no. 1 ZPO). To get from gross to net, use the gross-net calculator.
Some pay components are exempt from the outset and are left out (Section 850a ZPO): half of the pay for overtime hours, holiday pay, expense allowances, hazard, dirt and hardship bonuses – each within the usual range –, also Christmas bonuses up to a cap, child-raising allowances, study grants and allowances for the blind. Deduct such components before you enter the net income.
What the calculator leaves out
Garnishment for maintenance: If someone enforces statutory maintenance claims, the limits of the garnishment table do not apply; the debtor then keeps what is needed for their own necessary subsistence plus maintenance duties that rank first (Section 850d ZPO).
Court decisions: On request, the enforcement court can leave the debtor part of the garnishable amount, for instance if the necessary subsistence would otherwise be uncovered (Section 850f ZPO). If a supported person has an income of their own, the court can decide at the creditor’s request that this person counts only partly or not at all (Section 850c(6) ZPO). Several incomes are added together only on request (Section 850e no. 2 ZPO).
Garnishment protection account: Separate rules apply to a garnished bank balance. On a garnishment protection account (P-Konto), a balance of up to €1,590.00 per calendar month is protected – the monthly basic amount rounded up to full 10 euros (Section 899(1) ZPO); increases may be added (Section 902 ZPO). This page calculates the garnishment of wages, not the protection of the account.
The result is a calculation under the statute; it does not replace legal advice.
Frequently asked questions about garnishment
Exemption limit, table, maintenance duties, bank account
How high is the garnishment exemption limit in 2026?
Since 1 July 2026, €1,587.40 of net income per month cannot be garnished. Because the income is rounded down to full 10 euros before the calculation, nothing can be garnished up to €1,589.99 net according to the table. With maintenance duties the limit is higher: €2,184.82 with one person, €2,517.65 with two.
How much of a salary can be garnished?
Of the income above the protected amount, seven tenths can be garnished without a maintenance duty, five tenths with one, one tenth less for every further person. Example: at €2,500.00 net without a maintenance duty, €638.82 can be garnished; €1,861.18 remain.
From when does the new garnishment table apply?
The amounts are adjusted on 1 July of each calendar year (Section 850c(4) ZPO). The table on this page applies from 1 July 2026; its basis is the Pfändungsfreigrenzenbekanntmachung 2026 (BGBl. 2026 I Nr. 80).
Who counts as a person entitled to maintenance?
Persons you support because the law obliges you to: a spouse or civil partner, including a former one, relatives, plus a parent under Sections 1615l, 1615n of the Civil Code (BGB). The exempt amount is raised for up to five persons.
What can be garnished from a very high income?
The part of the net income above €4,866.30 per month can be garnished in full. Up to that amount the calculation with exempt amount plus tenths applies – without a maintenance duty, €2,290.82 can be garnished there.
Does the garnishment table also apply to my bank account?
Not directly. The table applies to the garnishment of wages. On a garnishment protection account, a balance of up to €1,590.00 per calendar month is protected (Section 899(1) ZPO); increases are possible (Section 902 ZPO).