Was bekomme ich in der Privatinsolvenz als Selbstbehalt? Kostenloser Rechner

Wie hoch ist der Selbstbehalt bei einer Privatinsolvenz?

Laut § 287a InsO müssen Sie nach der Insolvenzeröffnung für drei Jahre Ihre pfändbaren Lohnanteile an einen vom Insolvenzgericht bestimmten Treuhänder abtreten.

Ihnen verbleibt während der Wohlverhaltensphase der Privatinsolvenz folgender Selbstbehalt:

  • 1.589,99 €, wenn Sie alleinstehend und nicht unterhaltspflichtig sind
  • 2.189,99 €, wenn Sie einer Person gegenüber zu Unterhalt verpflichtet sind, zum Beispiel Ihrem Kind
  • 2.519,99 €, wenn Sie zwei Personen Unterhalt gewähren, beispielsweise Ihrem Ehegatten und Ihrem gemeinsamen Kind
  • 2.859,99 €, wenn drei Personen Unterhalt von Ihnen erhalten, etwa Ihr Ehepartner und Ihre beiden Kinder
  • 3.189,99 €, wenn Sie vier Personen gegenüber zu Unterhalt verpflichtet sind
  • 3.519,99 € bei fünf oder mehr unterhaltsberechtigten Personen

Um sicherzustellen, dass Sie den höheren Selbstbehalt erhalten, müssen Sie im Zweifel nachweisen:

  • dass Sie der auch tatsächlich Unterhalt gewähren und
  • dass die unterhaltsberechtigte Person auch unterhaltsbedürftig ist

Sonst kann es passieren, dass diese unterhaltsberechtigte Person nicht als solche berücksichtigt wird und Sie einen geringeren Pfändungsfreibetrag erhalten.

Wir prüfen Ihre Möglichkeiten zur Schuldenfreiheit.

Kostenloser Schuldencheck

Selbstbehalt bei einer Privatinsolvenz: Aktuelle Tabelle

Mithilfe der folgenden Tabelle können Sie ermitteln, wie viel Geld Sie während der Privatinsolvenz monatlich an den Treuhänder abtreten müssen. Suchen Sie zuerst die Zeile, in der Nettogehalt aufgelistet wird und rutschen Sie dann in dieser Zeile zu der Spalte mit der für Sie relevanten Anzahl von unterhaltsberechtigten Personen. 

Wenn Sie zum Beispiel 2.255 € netto verdienen, suchen Sie die Zeile 2.250 – 2259,99 und gehen dort in die Spalte mit der Überschrift „1“. Dort sehen Sie, dass Sie monatlich 32,59 € abtreten müssen.

monatlicher NettolohnPfänd­barer Be­trag nach An­zahl der unter­halts­be­rech­tig­ten Per­so­nen
von ... €bis ... €01234ab 5
01589,99000000
1590,001599,991,8200000
1600,001609,998,8200000
1610,001619,9915,8200000
1620,001629,9922,8200000
1630,001639,9929,8200000
1640,001649,9936,8200000
1650,001659,9943,8200000
1660,001669,9950,8200000
1670,001679,9957,8200000
1680,001689,9964,8200000
1690,001699,9971,8200000
1700,001709,9978,8200000
1710,001719,9985,8200000
1720,001729,9992,8200000
1730,001739,9999,8200000
1740,001749,99106,8200000
1750,001759,99113,8200000
1760,001769,99120,8200000
1770,001779,99127,8200000
1780,001789,99134,8200000
1790,001799,99141,8200000
1800,001809,99148,8200000
1810,001819,99155,8200000
1820,001829,99162,8200000
1830,001839,99169,8200000
1840,001849,99176,8200000
1850,001859,99183,8200000
1860,001869,99190,8200000
1870,001879,99197,8200000
1880,001889,99204,8200000
1890,001899,99211,8200000
1900,001909,99218,8200000
1910,001919,99225,8200000
1920,001929,99232,8200000
1930,001939,99239,8200000
1940,001949,99246,8200000
1950,001959,99253,8200000
1960,001969,99260,8200000
1970,001979,99267,8200000
1980,001989,99274,8200000
1990,001999,99281,8200000
2000,002009,99288,8200000
2010,002019,99295,8200000
2020,002029,99302,8200000
2030,002039,99309,8200000
2040,002049,99316,8200000
2050,002059,99323,8200000
2060,002069,99330,8200000
2070,002079,99337,8200000
2080,002089,99344,8200000
2090,002099,99351,8200000
2100,002109,99358,8200000
2110,002119,99365,8200000
2120,002129,99372,8200000
2130,002139,99379,8200000
2140,002149,99386,8200000
2150,002159,99393,8200000
2160,002169,99400,8200000
2170,002179,99407,8200000
2180,002189,99414,8200000
2190,002199,99421,822,590000
2200,002209,99428,827,590000
2210,002219,99435,8212,590000
2220,002229,99442,8217,590000
2230,002239,99449,8222,590000
2240,002249,99456,8227,590000
2250,002259,99463,8232,590000
2260,002269,99470,8237,590000
2270,002279,99477,8242,590000
2280,002289,99484,8247,590000
2290,002299,99491,8252,590000
2300,002309,99498,8257,590000
2310,002319,99505,8262,590000
2320,002329,99512,8267,590000
2330,002339,99519,8272,590000
2340,002349,99526,8277,590000
2350,002359,99533,8282,590000
2360,002369,99540,82 87,590000
2370,002379,99547,82 92,590000
2380,002389,99554,8297,590000
2390,002399,99561,82102,590000
2400,002409,99568,82107,590000
2410,002419,99575,82112,590000
2420,002429,99582,82117,590000
2430,002439,99589,82122,590000
2440,002449,99596,82127,590000
2450,002459,99603,82132,590000
2460,002469,99610,82137,590000
2470,002479,99617,82142,590000
2480,002489,99624,82147,590000
2490,002499,99631,82152,590000
2500,002509,99638,82157,590000
2510,002519,99645,82162,590000
2520,002529,99652,82167,590,94000
2530,002539,99659,82172,594,94000
2540,002549,99666,82177,598,94000
2550,002559,99673,82182,5912,94000
2560,002569,99680,82187,5916,94000
2570,002579,99687,82192,5920,94000
2580,002589,99694,82197,5924,94000
2590,002599,99701,82202,5928,94000
2600,002609,99708,82207,5932,94000
2610,002619,99715,82212,5936,94000
2620,002629,99722,82217,5940,94000
2630,002639,99729,82222,5944,94000
2640,002649,99736,82227,5948,94000
2650,002659,99743,82232,5952,94000
2660,002669,99750,82237,5956,94000
2670,002679,99757,82242,5960,94000
2680,002689,99764,82247,5964,94000
2690,002699,99771,82252,5968,94000
2700,002709,99778,82257,5972,94000
2710,002719,99785,82262,5976,94000
2720,002729,99792,82267,5980,94000
2730,002739,99799,82272,5984,94000
2740,002749,99806,82277,5988,94000
2750,002759,99813,82282,5992,94000
2760,002769,99820,82287,5996,94000
2770,002779,99827,82292,59100,94000
2780,002789,99834,82297,59104,94000
2790,002799,99841,82302,59108,94000
2800,002809,99848,82307,59112,94000
2810,002819,99855,82312,59116,94000
2820,002829,99862,82317,59120,94000
2830,002839,99869,82322,59124,94000
2840,002849,99876,82327,59128,94000
2850,002859,99883,82332,59132,94000
2860,002869,99890,82337,59136,942,8600
2870,002879,99897,82342,59140,945,8600
2880,002889,99904,82347,59144,948,8600
2890,002899,99911,82352,59148,9411,8600
2900,002909,99918,82357,59152,9414,8600
2910,002919,99925,82362,59156,9417,8600
2920,002929,99932,82367,59160,9420,8600
2930,002939,99939,82372,59164,9423,8600
2940,002949,99946,82377,59168,9426,8600
2950,002959,99953,82382,59172,9429,8600
2960,002969,99960,82387,59176,9432,8600
2970,002979,99967,82392,59180,9435,8600
2980,002989,99974,82397,59184,9438,8600
2990,002999,99981,82402,59188,9441,8600
3000,003009,99988,82407,59192,9444,8600
3010,003019,99995,82412,59196,9447,8600
3020,003029,991002,82417,59200,9450,8600
3030,003039,991009,82422,59204,9453,8600
3040,003049,991016,82427,59208,9456,8600
3050,003059,991023,82432,59212,9459,8600
3060,003069,991030,82437,59216,9462,8600
3070,003079,991037,82442,59220,9465,8600
3080,003089,991044,82447,59224,9468,8600
3090,003099,991051,82452,59228,9471,8600
3100,003109,991058,82457,59232,9474,8600
3110,003119,991065,82462,59236,9477,8600
3120,003129,991072,82467,59240,9480,8600
3130,003139,991079,82472,59244,9483,8600
3140,003149,991086,82477,59248,9486,8600
3150,003159,991093,82482,59252,9489,8600
3160,003169,991100,82487,59256,9492,8600
3170,003179,991107,82492,59260,9495,8600
3180,003189,991114,82497,59264,9498,8600
3190,003199,991121,82502,59268,94101,861,340
3200,003209,991128,82507,59272,94104,863,340
3210,003219,991135,82512,59276,94107,865,340
3220,003229,991142,82517,59280,94110,867,340
3230,003239,991149,82522,59284,94113,869,340
3240,003249,991156,82527,59288,94116,8611,340
3250,003259,991163,82532,59292,94119,8613,340
3260,003269,991170,82537,59296,94122,8615,340
3270,003279,991177,82542,59300,94125,8617,340
3280,003289,991184,82547,59304,94128,8619,340
3290,003299,991191,82552,59308,94131,8621,340
3300,003309,991198,82557,59312,94134,8623,340
3310,003319,991205,82562,59316,94137,8625,340
3320,003329,991212,82567,59320,94140,8627,340
3330,003339,991219,82572,59324,94143,8629,340
3340,003349,991226,82577,59328,94146,8631,340
3350,003359,991233,82582,59332,94149,8633,340
3360,003369,991240,82587,59336,94152,8635,340
3370,003379,991247,82592,59340,94155,8637,340
3380,003389,991254,82597,59344,94158,8639,340
3390,003399,991261,82602,59348,94161,8641,340
3400,003409,991268,82607,59352,94164,8643,340
3410,003419,991275,82612,59356,94167,8645,340
3420,003429,991282,82617,59360,94170,8647,340
3430,003439,991289,82622,59364,94173,8649,340
3440,003449,991296,82627,59368,94176,8651,340
3450,003459,991303,82632,59372,94179,8653,340
3460,003469,991310,82637,59376,94182,8655,340
3470,003479,991317,82642,59380,94 185,8657,340
3480,003489,991324,82647,59384,94188,8659,340
3490,003499,991331,82652,59388,94191,8661,340
3500,003509,991338,82657,59392,94194,8663,340
3510,003519,991345,82662,59396,94197,86 65,340
3520,003529,991352,82667,59400,94200,8667,340,39
3530,003539,991359,82672,59404,94203,8669,341,39
3540,003549,991366,82677,59408,94206,8671,342,39
3550,003559,991373,82682,59412,94209,8673,343,39
3560,003569,991380,82687,59416,94212,8675,344,39
3570,003579,991387,82692,59420,94215,8677,345,39
3580,003589,991394,82697,59424,94218,8679,346,39
3590,003599,991401,82702,59428,94221,8681,347,39
3600,003609,991408,82707,59432,94224,8683,348,39
3610,003619,991415,82712,59436,94227,8685,349,39
3620,003629,991422,82717,59440,94230,8687,3410,39
3630,003639,991429,82722,59444,94233,8689,3411,39
3640,003649,991436,82727,59448,94236,8691,3412,39
3650,003659,991443,82732,59452,94239,8693,3413,39
3660,003669,991450,82737,59456,94242,8695,3414,39
3670,003679,991457,82742,59460,94245,8697,3415,39
3680,003689,991464,82747,59464,94248,8699,3416,39
3690,003699,991471,82752,59468,94251,86101,3417,39
3700,003709,991478,82757,59472,94254,86103,3418,39
3710,003719,991485,82762,59476,94257,86105,3419,39
3720,003729,991492,82767,59480,94260,86107,3420,39
3730,003739,991499,82772,59484,94263,86109,3421,39
3740,003749,991506,82777,59488,94266,86111,3422,39
3750,003759,991513,82782,59492,94269,86113,3423,39
3760,003769,991520,82787,59496,94272,86115,3424,39
3770,003779,991527,82792,59500,94275,86117,3425,39
3780,003789,991534,82797,59504,94278,86119,3426,39
3790,003799,991541,82802,59508,94281,86121,3427,39
3800,003809,991548,82807,59512,94284,86123,3428,39
3810,003819,991555,82812,59516,94287,86125,3429,39
3820,003829,991562,82817,59520,94 290,86127,3430,39
3830,003839,991569,82822,59524,94293,86129,3431,39
3840,003849,991576,82827,59528,94296,86131,3432,39
3850,003859,991583,82832,59532,94299,86133,3433,39
3860,003869,991590,82837,59536,94302,86135,3434,39
3870,003879,991597,82842,59540,94305,86137,3435,39
3880,003889,991604,82847,59544,94308,86139,3436,39
3890,003899,991611,82852,59548,94311,86141,3437,39
3900,003909,991618,82857,59552,94314,86143,3438,39
3910,003919,991625,82862,59556,94317,86145,3439,39
3920,003929,991632,82867,59560,94320,86147,3440,39
3930,003939,991639,82872,59564,94323,86149,3441,39
3940,003949,991646,82877,59568,94326,86151,3442,39
3950,003959,991653,82882,59572,94329,86153,3443,39
3960,003969,991660,82887,59576,94332,86155,3444,39
3970,003979,991667,82892,59580,94335,86157,3445,39
3980,003989,991674,82897,59584,94338,86159,3446,39
3990,003999,991681,82902,59588,94341,86161,3447,39
4000,004009,991688,82907,59592,94344,86163,3448,39
4010,004019,991695,82912,59596,94347,86165,3449,39
4020,004029,991702,82917,59600,94350,86167,3450,39
4030,004039,991709,82922,59604,94353,86169,3451,39
4040,004049,991716,82927,59608,94356,86171,3452,39
4050,004059,991723,82932,59612,94359,86173,3453,39
4060,004069,991730,82937,59616,94362,86175,3454,39
4070,004079,991737,82942,59620,94365,86177,3455,39
4080,004089,991744,82947,59624,94368,86179,3456,39
4090,004099,991751,82952,59628,94371,86181,3457,39
4100,004109,991758,82957,59632,94374,86183,3458,39
4110,004119,991765,82962,59636,94377,86185,3459,39
4120,004129,991772,82967,59640,94380,86187,3460,39
4130,004139,991779,82972,59644,94383,86189,3461,39
4140,004149,991786,82977,59648,94386,86191,3462,39
4150,004159,991793,82982,59652,94389,86193,3463,39
4160,004169,991800,82987,59656,94392,86195,3464,39
4170,004179,991807,82992,59660,94395,86197,3465,39
4180,004189,991814,82997,59664,94398,86199,3466,39
4190,004199,991821,821002,59668,94401,86201,3467,39
4200,004209,991828,821007,59672,94404,86203,3468,39
4210,004219,991835,821012,59676,94407,86205,3469,39
4220,004229,991842,821017,59680,94410,86207,3470,39
4230,004239,991849,821022,59684,94413,86209,3471,39
4240,004249,991856,821027,59688,94416,86211,3472,39
4250,004259,991863,821032,59692,94419,86213,3473,39
4260,004269,991870,821037,59696,94422,86215,3474,39
4270,004279,991877,821042,59700,94425,86217,3475,39
4280,004289,991884,821047,59704,94428,86219,3476,39
4290,004299,991891,821052,59708,94431,86221,3477,39
4300,004309,991898,821057,59712,94434,86223,3478,39
4310,004319,991905,821062,59716,94437,86225,3479,39
4320,004329,991912,821067,59720,94440,86227,3480,39
4330,004339,991919,821072,59724,94443,86229,3481,39
4340,004349,991926,821077,59728,94446,86231,3482,39
4350,004359,991933,821082,59732,94449,86233,3483,39
4360,004369,991940,821087,59736,94452,86235,3484,39
4370,004379,991947,821092,59740,94455,86237,3485,39
4380,004389,991954,821097,59744,94458,86239,3486,39
4390,004399,991961,821102,59748,94461,86241,3487,39
4400,004409,991968,821107,59752,94464,86243,3488,39
4410,004419,991975,821112,59756,94467,86245,3489,39
4420,004429,991982,821117,59760,94470,86247,3490,39
4430,004439,991989,821122,59764,94473,86249,3491,39
4440,004449,991996,821127,59768,94476,86251,3492,39
4450,004459,992003,821132,59772,94479,86253,3493,39
4460,004469,992010,821137,59776,94482,86255,3494,39
4470,004479,992017,821142,59780,94485,86257,3495,39
4480,004489,992024,821147,59784,94488,86259,3496,39
4490,004499,992031,821152,59788,94491,86261,3497,39
4500,004509,992038,821157,59792,94494,86263,3498,39
4510,004519,992045,821162,59796,94497,86265,3499,39
4520,004529,992052,821167,59800,94500,86267,34100,39
4530,004539,992059,821172,59804,94503,86269,34101,39
4540,004549,992066,821177,59808,94506,86271,34102,39
4550,004559,992073,821182,59812,94509,86273,34103,39
4560,004569,992080,821187,59816,94512,86275,34104,39
4570,004579,992087,821192,59820,94515,86277,34105,39
4580,004589,992094,821197,59824,94 518,86279,34106,39
4590,004599,992101,821202,59828,94521,86281,34107,39
4600,004609,992108,821207,59832,94524,86283,34108,39
4610,004619,992115,821212,59836,94527,86285,34109,39
4620,004629,992122,821217,59840,94530,86287,34110,39
4630,004639,992129,821222,59844,94533,86289,34111,39
4640,004649,992136,821227,59848,94536,86291,34112,39
4650,004659,992143,821232,59852,94539,86293,34113,39
4660,004669,992150,821237,59856,94542,86295,34114,39
4670,004679,992157,821242,59860,94545,86297,34115,39
4680,004689,992164,821247,59864,94548,86299,34116,39
4690,004699,992171,821252,59868,94551,86301,34117,39
4700,004709,992178,821257,59872,94554,86303,34118,39
4710,004719,992185,821262,59876,94557,86305,34119,39
4720,004729,992192,821267,59880,94560,86307,34120,39
4730,004739,992199,821272,59884,94563,86309,34121,39
4740,004749,992206,821277,59888,94566,86311,34122,39
4750,004759,992213,821282,59892,94569,86313,34123,39
4760,004769,992220,821287,59896,94572,86315,34124,39
4770,004779,992227,821292,59900,94575,86317,34125,39
4780,004789,992234,821297,59904,94578,86319,34126,39
4790,004799,992241,821302,59908,94581,86321,34127,39
4800,004809,992248,821307,59912,94584,86323,34128,39
4810,004819,992255,821312,59916,94587,86325,34129,39
4820,004829,992262,821317,59920,94590,86327,34130,39
4830,004839,992269,821322,59924,94593,86329,34131,39
4840,004849,99 276,821327,59928,94596,86331,34132,39
4850,004859,992283,821332,59932,94599,86333,34133,39
4860,004866,302290,821337,59936,94602,86335,34134,39
Der Mehrbetrag über 4866,30 € ist voll pfändbar

Wir prüfen Ihre Möglichkeiten zur Schuldenfreiheit

Unsere Experten prüfen Ihre Situation und zeigen Ihnen den besten Ausweg aus den Schulden.

Kostenloser Schuldencheck

Bildnachweise: KI-generiert: Google Gemini (Vorschaubild)