What changed
Germany has updated the garnishment-exempt income thresholds for 2026, effective 1 July 2026. The basic monthly amount shielded from creditor seizure rises from €1,555 to €1,587.40. Each additional dependent adds a further protected amount that also increases (from €585.23 to €597.42 per person per month). The ceiling above which all income is fully seizable rises from €4,766.99 to €4,866.30 per month.
Who is affected
Anyone in Germany whose wages, salary, or other income is subject to garnishment by creditors — typically people with court-ordered debt enforcement proceedings against them. Employers who administer payroll garnishments must apply the new tables from 1 July 2026.
What to look out for
→ No action required from most people. If you have garnishments on your income, check with your employer or the bailiff whether the new (higher) exemption tables will be applied from 1 July 2026.
⚠️ This explanation was created with AI assistance and may be inaccurate or incomplete. It is not legal advice. Before taking action, check the official text and consult a qualified lawyer.
Original law: PFÄNDFREIGRBEK-2026 — Check the official text before relying on this explanation.