Pfändungstabelle 2025: the previous table compared

The key figures of the 2025 table

The 2025 notice raised every amount in section 850c ZPO with effect from 1 July 2025. The arithmetic was the same as today: a basic allowance, increases for up to five people you support under a legal duty, an attachable share of seven tenths down to one tenth above the allowance, and a ceiling above which everything goes to the creditor. Only the numbers were new.

This produced the exemption limit: with no dependants, something became attachable from €1,560 net, with one dependant from €2,150, with two from €2,470. The first attachable row took only a few euros, around €10.50 at €1,575. A Christmas bonus was protected up to €780, and the base amount on a P-account was €1,560.

Weekly and daily wages had their own sub-tables with smaller steps. With no dependants, garnishment began at €360 a week and €72 a day. Today those thresholds are €367.50 and €73.50. If your employer moved you from weekly to monthly pay in summer 2026, each period needs the matching table and the matching sub-table: a working week in June remains a week under the 2025 table.

What changed on 1 July 2026

With the 2026 notice the basic allowance rose to €1,587.40, the first-dependant increase to €597.42 and the ceiling to €4,866.30. What counts for you is the result in your own row. Because the allowance went up, a slightly larger part of the same net pay is protected in every column. The overview below sets both tables side by side for some typical wages.

The change is most visible at low wages: people just above the old limit sometimes dropped out of garnishment altogether. At high wages the saving is smaller in percentage terms, but the higher ceiling adds to it. The calculator at the top shows the gap for your own net pay, per month and per year.

When you still need the old table

Mainly in three situations. First, the June 2026 payslip if it only arrives in July: it must still be worked out with the 2025 table. Second, checking older payslips when you want to know whether too much was withheld in a given month. Third, a wage payment that relates to a period before the switch. Back-payments landing in a bank account follow their own rules; see back-payments on a P-account.

If you set the table to 2025 in the main calculator, it uses the old values. For current months use the 2026 garnishment table. What may come in July 2027 is covered under garnishment table 2027.

Your employer did not have to apply for anything at the switch. Do check the first payslip for July 2026, though: if the amount withheld did not drop while your net pay stayed the same, the calculation deserves a closer look. The page on employer duties explains what the employer has to do.