Werkery

Garnishment Exemption Calculator 2026

Calculate your protected income based on the current garnishment table 2026 (valid since July 1, 2025). Includes maintenance obligations.

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How it works

  1. 1
    Enter Net Income
    Enter your monthly net income.
  2. 2
    Dependents
    Number of people you are obligated to financially support.
  3. 3
    Calculate
    Instant results, no sign-up required.

Frequently asked

What is the garnishment exemption?

The garnishment exemption is the portion of your net income that cannot be touched during a wage or account garnishment — § 850c ZPO (German Code of Civil Procedure).

How much is the basic exemption in 2026?

1,499.99 € per month with no maintenance obligations (valid since July 1, 2025).

Does the exemption increase for dependents?

Yes. The exemption increases for each person you are obligated to support — by 561.97 € for the first person and 312.78 € for each additional person.

What is a protected account (P-Konto)?

A garnishment-protected bank account. With a P-Konto (§ 850k ZPO), the basic exemption amount is automatically shielded from garnishment.

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Tool designed and editorially reviewed by Felix Brübach. Text drafted with AI assistance and reviewed for legal and factual accuracy before publication. Not legal advice — for complex cases, consult a lawyer.
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