What is the garnishment-free allowance?

The short answer

The garnishment-free allowance is your financial safety net in case of debt. It is the amount that a bailiff may not collect, so that you always have enough left for your basic needs. In 2024, the basic garnishment-free allowance is around €1,400 per month for a single person. This amount can be higher if you have higher fixed costs such as rent, utilities or health insurance. The bailiff must respect this amount and may only collect the money above the garnishment-free allowance.

What does the law say?

The garnishment-free allowance is regulated in the Code of Civil Procedure. The law stipulates that everyone has the right to a minimum to live on, even with debts. The amount is adjusted annually to the social assistance benefit. Bailiffs are legally obliged to respect the garnishment-free allowance and may not collect more than legally permitted.

What should you watch out for?

Pay close attention to the bailiff using the correct garnishment-free allowance for your situation. The amount differs depending on family composition and your fixed costs. Always check whether all your fixed costs have been included in the calculation. If you think a mistake has been made, you can file an objection with the bailiff.

Example from practice

Sarah works part-time and earns €2,200 per month. She has €850 rent, €150 utility costs and €130 health insurance. Her garnishment-free allowance is calculated as €1,400 (base) + €850 + €150 + €130 = €2,530. Because Sarah only earns €2,200, the bailiff may not take anything from her salary. She retains her entire income, as it is below the garnishment-free allowance.

What can you do?

Contact the bailiff to establish your garnishment-free allowance. Gather all necessary documents and carefully check the calculation.