Exemption from attachment 2025 / 2026

Table of contents

• Current attachment-free amounts from July 2025 with sample calculations
• Debt-free in just three years
• Information on the attachment exemption amounts
• Example calculations for the attachment exemption amount on the P-account
• Benefits that cannot be seized

Current attachment-free amounts from July 2025 with sample calculations (for 2025 / 2026)

The 2024/2025 attachment table is valid until July 1st as an overview that indicates the maximum amount of money that may be attached in the event of a wage or salary attachment, pension benefits or other benefits.

Enclosed you will find the NEW attachment table 2025/2026 for download* ( valid from 01.07.2025 )
*This table is based on legal requirements and is updated regularly.

The aim of the attachment table is to ensure that debtors have sufficient money to live on even after a seizure or during insolvency and are not completely financially ruined.

According to this table, most people usually have significantly more money at their disposal after filing for insolvency than before. This is because, once the application has been filed by a debt and insolvency counseling center, a qualified person or agency under Section 305 of the German Insolvency Code (InsO) (e.g., SIC Schuldner-Insolvenz-Centrum e.V.) is no longer permitted to favor or discriminate against creditors. Specifically, this means that no further installment payments, loans, or debts may be settled.

The current garnishment exemption amount has been €1,499.99 since July 2024. The garnishment amount will increase again from July 1, 2025, and creditors may only garnish assets above a monthly amount of €1,555.00 of net income .

Debt-free in just three years

From 1 July 2025, the seizure exemption amount will be 1,559.99 euros.

Even in the event of insolvency, you will always have at least 1,559.99 euros in your account each month (until 1 July 2024 it will be 1,499.99 euros) of your net income at your free disposal.

However, if a debtor has to pay maintenance or provides maintenance in kind (e.g. for children under 25 who live at home and have no fixed income), he has an even higher exemption from attachment*.

The increase for the first maintenance obligation will also increase by €32.14 from €560.90 to €593.04 effective July 1, 2025. Those who are obligated to support two to five children will receive an increase of €326.04 each from July 1, 2025, instead of €312.78.

Information on the attachment exemption amounts

We have great news for you!

The new seizure exemption limits for current accounts will come into effect on July 1, 2025, and we want to ensure you're one of the first to benefit from these changes. The increase in the seizure exemption limit to €1,559.99 provides you with even greater protection from creditors.

For those who hold a P-account, this means that there is a seizure protection of €1,559.99 (rounded up accordingly according to Section 899 Paragraph 1 of the Code of Civil Procedure). The current seizure exemption limit of €1,499.99 for debtors without maintenance obligations applies until July 1, 2025. However, starting in July 2025, a whopping €1,559.99 will be protected on your P-account. This is a significant increase, giving you more financial flexibility.

Sample calculations for the exemption from attachment on the P-account (valid from July 2025)

Example calculation of the tax allowance – Case 1:

A single person has a net income of €1,559. In this case, the creditor can garnish €0 per month! The person retains their entire net income. With €80,000 in debt, €0 will be garnished monthly during a three-year insolvency. Therefore, after three years, you are completely debt-free.

Example calculation of the allowance – Case 2:

A married person without children has a net income of €2,050.00. According to the attachment table, €0 will be attached. The person therefore retains the full €2,050.00.

Example calculation of the allowance – Case 3:

A married person with one child has a net income of €2,360.00. Here, too, €0 will be garnished! Only if the income is higher could an amount be garnished. With €47,000 in debt, €0 will remain garnished monthly during the three-year insolvency process.

Benefits that cannot be seized:

• Childcare and parental allowance
• Child benefit
• Housing benefit
• BAföG, scholarships and student grants
• Birth allowances
• Marriage assistance
• Funeral benefit
• Grace payments
• Blind allowances
• Travel expenses

All income in this category is exempt from seizure.

📊 Rough overview of the seizure exemption limits from 1 July 2025

💡 For each additional person liable to support beyond five, the exemption limit increases by €326.04.

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These values ​​apply to income up to €4,298.81 net per month – above this amount, a portion is subject to attachment, even in the case of maintenance obligations.

Contact us

If you need further information, tips, and tricks on the basic allowance for insolvency and the procedures, contact us at the WhatsApp number +4915732478936 . Your SIC Debtor Insolvency Center team in Stuttgart will be happy to assist you!