Garnishment calculator
How much do you keep in a wage garnishment?
Work out how much of your net income is likely to be protected. The basis is the official Pfändungstabelle under § 850c ZPO, in force since July 1, 2026. Your entries are processed in your browser only.
This table may no longer be current
The garnishment exemption limits are adjusted every year on 1 July. The table stored here was valid until June 30, 2027. Check the current figures in the official announcement before you rely on the result.
Your monthly net income from work before any garnishment, so after tax and social contributions.
Please enter an amount, for example 2,200 or 2,200.50.
How many people do you owe maintenance to?
For example children or a spouse you support because the law obliges you to.
Your result
—
stays with you each month
Enter your monthly net income to see your result.
- Stays with you
- —
- Garnishable
- —
At this income nothing is garnishable. The protected amount is higher than what you earn.
Above €4,866.30 a month, every further euro is fully garnishable. The protected amount does not grow beyond that.
A guide figure under the current Pfändungstabelle. Other rules can apply in individual cases.
Further details
These do not change the calculation.
What does this mean?
In a wage garnishment, part of your income is protected. How much stays with you depends above all on your net income and on the number of people you owe maintenance to.
The official Pfändungstabelle is built in steps of €10. Every income within a step has the same garnishable amount.
What the calculator does not take into account
- Christmas and holiday pay: certain one-off payments have garnishment protection rules of their own.
- Overtime: special protection rules can apply to pay for extra hours.
- Certain allowances and expense payments: special protection rules can apply here too.
- Maintenance claims: if the garnishment is for statutory maintenance, different garnishment rules apply.
- Individual decisions: the protected amount can differ in individual cases.
For your specific situation, especially with maintenance claims or several creditors, free debt advice (Schuldnerberatung) is worth seeking out.
Garnishment protection account (P-Konto)
A P-Konto protects a set amount in your bank account from an account garnishment.
Wage garnishment and account garnishment are two different things: in a wage garnishment, the money is taken at your employer. An account garnishment concerns the balance in your bank account instead.
You can require your bank to run an existing payment account as a P-Konto. You can only have one P-Konto. It is not possible to run several accounts at different banks as P-Konten.
The automatic basic protection on a P-Konto follows its own statutory exempt amount. That amount is rounded up to the next full €10.
The garnishment table
Valid from July 1, 2026 to June 30, 2027. Garnishable amounts by net income and by the number of people you owe maintenance to.
The protected amounts
- Basic protected amount
- €1,587.40
- For the first person you owe maintenance to
- €597.42
- For the second to fifth person, each
- €332.83
- Above this amount the excess is fully garnishable
- €4,866.30
Show the full tableHide the tableAn extract in hundred-euro steps. The official table is graded in ten-euro steps; the calculator above uses it in full.
| Net income from | People you owe maintenance to | |||||
|---|---|---|---|---|---|---|
| none | 1 | 2 | 3 | 4 | 5+ | |
| €1,500.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| €1,600.00 | €8.82 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| €1,700.00 | €78.82 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| €1,800.00 | €148.82 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| €1,900.00 | €218.82 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| €2,000.00 | €288.82 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| €2,100.00 | €358.82 | €0.00 | €0.00 | €0.00 | €0.00 | €0.00 |
| €2,200.00 | €428.82 | €7.59 | €0.00 | €0.00 | €0.00 | €0.00 |
| €2,300.00 | €498.82 | €57.59 | €0.00 | €0.00 | €0.00 | €0.00 |
| €2,400.00 | €568.82 | €107.59 | €0.00 | €0.00 | €0.00 | €0.00 |
| €2,500.00 | €638.82 | €157.59 | €0.00 | €0.00 | €0.00 | €0.00 |
| €2,600.00 | €708.82 | €207.59 | €32.94 | €0.00 | €0.00 | €0.00 |
| €2,700.00 | €778.82 | €257.59 | €72.94 | €0.00 | €0.00 | €0.00 |
| €2,800.00 | €848.82 | €307.59 | €112.94 | €0.00 | €0.00 | €0.00 |
| €2,900.00 | €918.82 | €357.59 | €152.94 | €14.86 | €0.00 | €0.00 |
| €3,000.00 | €988.82 | €407.59 | €192.94 | €44.86 | €0.00 | €0.00 |
| €3,100.00 | €1,058.82 | €457.59 | €232.94 | €74.86 | €0.00 | €0.00 |
| €3,200.00 | €1,128.82 | €507.59 | €272.94 | €104.86 | €3.34 | €0.00 |
| €3,300.00 | €1,198.82 | €557.59 | €312.94 | €134.86 | €23.34 | €0.00 |
| €3,400.00 | €1,268.82 | €607.59 | €352.94 | €164.86 | €43.34 | €0.00 |
| €3,500.00 | €1,338.82 | €657.59 | €392.94 | €194.86 | €63.34 | €0.00 |
| €3,600.00 | €1,408.82 | €707.59 | €432.94 | €224.86 | €83.34 | €8.39 |
| €3,700.00 | €1,478.82 | €757.59 | €472.94 | €254.86 | €103.34 | €18.39 |
| €3,800.00 | €1,548.82 | €807.59 | €512.94 | €284.86 | €123.34 | €28.39 |
| €3,900.00 | €1,618.82 | €857.59 | €552.94 | €314.86 | €143.34 | €38.39 |
| €4,000.00 | €1,688.82 | €907.59 | €592.94 | €344.86 | €163.34 | €48.39 |
| €4,100.00 | €1,758.82 | €957.59 | €632.94 | €374.86 | €183.34 | €58.39 |
| €4,200.00 | €1,828.82 | €1,007.59 | €672.94 | €404.86 | €203.34 | €68.39 |
| €4,300.00 | €1,898.82 | €1,057.59 | €712.94 | €434.86 | €223.34 | €78.39 |
| €4,400.00 | €1,968.82 | €1,107.59 | €752.94 | €464.86 | €243.34 | €88.39 |
| €4,500.00 | €2,038.82 | €1,157.59 | €792.94 | €494.86 | €263.34 | €98.39 |
| €4,600.00 | €2,108.82 | €1,207.59 | €832.94 | €524.86 | €283.34 | €108.39 |
| €4,700.00 | €2,178.82 | €1,257.59 | €872.94 | €554.86 | €303.34 | €118.39 |
| €4,800.00 | €2,248.82 | €1,307.59 | €912.94 | €584.86 | €323.34 | €128.39 |
| €4,860.00 | €2,290.82 | €1,337.59 | €936.94 | €602.86 | €335.34 | €134.39 |
Common questions
From what income onwards are wages garnished?
With no people you owe maintenance to, garnishment starts at €1,590.00 net per month. Each person you owe maintenance to raises that threshold. The basic protected amount itself is €1,587.40; the difference comes from the table rounding down in ten-euro steps.
How much do I keep in a wage garnishment?
That depends above all on your monthly net income and your maintenance obligations. Enter both above. The calculator shows you how much is likely to stay with you under the current Pfändungstabelle, and how much is garnishable.
What happens with a high income?
Up to a monthly net income of €4,866.30, the garnishable amount comes from the table. The part of your net income above that is fully garnishable.
What is a P-Konto?
A garnishment protection account (Pfändungsschutzkonto), P-Konto for short, protects a set amount in your bank account from an account garnishment. It concerns account garnishment, not the calculation of a wage garnishment at your employer.
Does Christmas pay count?
Not in this calculation. Christmas and holiday pay have special statutory protection and are treated separately from your ongoing income.
Are my entries stored?
No. The calculation runs entirely in your browser. Neither your income nor the number of people is passed on to Norta or to anyone else, or stored on your device.
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Read next: Pfändungsfreigrenze 2026: how much of your income can be garnished?
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