Part of the topic: 💶 Taxes & salary
Wage garnishment calculator (Germany)
Enter your net income and the number of people you support. The calculator applies the official exemption limits under § 850c ZPO valid from 1 July 2026 – the same values as the official garnishment table.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter your net income and choose the period.
- Choose how many people you have a legal duty to support (spouse, children).
- Read the garnishable amount and what you keep.
How does wage garnishment work?
With a wage garnishment, the employer pays the garnishable part of the net wage directly to the creditor. What is garnishable follows from § 850c ZPO: income up to the exemption limit is protected, and above it only a share is taken – the more dependants, the more remains free.
The limits are adjusted every year on 1 July. For maintenance claims stricter rules apply and the court sets the amount the debtor keeps.
P-account: protection for your bank account
A garnishment-protection account (P-Konto) automatically protects the basic exemption. People who pay maintenance or receive child benefit can get a certificate for a higher amount. Recognised debt-counselling services help for free.
Last checked: October 2026 · Based on: § 850c Code of Civil Procedure; 2026 garnishment exemption notice. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
What is the exemption limit in 2026?
From 1 July 2026 the basic exemption is €1,587.40 net per month. It rises by €597.42 for the first and €332.83 for each further dependant (up to five).
Is everything above the limit garnishable?
No. Of the amount above the exemption, a share remains free: 3/10 for you, 2/10 for the first and 1/10 for each further dependant. Income above €4,866.30 per month is fully garnishable.
Does this apply to my bank account?
A garnishment-protection account (P-Konto) protects at least the basic exemption automatically; higher amounts need a certificate.