Seizable and Transferable Amounts on Your Salary in 2026
If you have difficulties repaying your loan, part of your salary or replacement income may be seized or assigned. Knowing the legal limits helps you protect your minimum income and better anticipate the impact on your budget.
Below you will find a clear, structured overview of the salary brackets and maximum amounts that can be assigned or seized in case of non-payment, as well as how dependent children can increase your protected income.
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• Only a portion of your net remuneration can be assigned or seized.
• The law defines salary brackets with precise limits.
• Amounts are different for salaries and for replacement incomes (unemployment benefits, pensions, etc.).
How Much of Your Income Can Be Seized if You Do Not Repay Your Loan?
The figures below summarize the portions of net income that are seizable or transferable, based on the legal scales in force and indexed for consultation in 2026. These amounts apply both to wage earners and to beneficiaries of replacement incomes, with specific rules for each category. Consider checking out our Prêt à tempérament.
The figures below summarize the portions of net income that are seizable or transferable, based on the legal scales in force and indexed for consultation in 2026. These amounts apply both to wage earners and to beneficiaries of replacement incomes, with specific rules for each category. Consider checking out our Prêt à tempérament.
The figures below summarize the portions of net income that are seizable or transferable, based on the legal scales in force and indexed for consultation in 2026. These amounts apply both to wage earners and to beneficiaries of replacement incomes, with specific rules for each category. Consider checking out our Prêt à tempérament.
Important Legal Notice
The information below is a simplified summary of the legal rules on salary seizure and assignment. In practice, the amounts can be adapted following indexation and specific legal updates. For an exact calculation of the seizable part of your income in 2026, always refer to the current legislation or consult a specialist.
Assignable and Seizable Amounts on Salaries
When a creditor proceeds to an assignment or seizure of your salary, only a part of your net remuneration can legally be affected. This amount depends on salary brackets: the higher your income, the higher the share that can be seized. Learn more about this with our Crédit express page.
The table below summarizes the brackets and the corresponding maximum seizable or assignable portion, based on the reference scales historically applicable and used as a benchmark for 2026. Below a certain threshold, your salary is fully protected and cannot be seized.
| Net salary brackets | Seizable / Assignable portion |
|---|---|
| On the part of the net remuneration ≤ 1,073 EUR | 0 EUR (fully protected) |
| On the part between 1,073.01 EUR and 1,153 EUR | 20% (max. approx. 16.00 EUR) |
| On the part between 1,153.01 EUR and 1,272 EUR | 30% (max. approx. 35.70 EUR) |
| On the part between 1,272.01 EUR and 1,391 EUR | 40% (max. approx. 47.60 EUR) |
| On the part of the remuneration > 1,391 EUR | 100% of the surplus may be seized or assigned |
These brackets are applied progressively: your income is split into layers, and each layer is subject to its own maximum percentage. This mechanism ensures that a minimum income remains at your disposal even in case of seizure.
Assignable and Seizable Amounts on Replacement Incomes
The rules are similar for replacement incomes such as unemployment benefits, pensions, or sickness benefits. Here too, the law defines protected thresholds and brackets on which a percentage of your income may be seized or assigned to repay your debts. Learn more about protecting your income by visiting our Ouverture de crédit page.
In most cases, the same protection threshold applies to the first part of your income, with higher percentages on subsequent brackets. The summary table below is based on the reference scales historically applied and used as a benchmark for 2026.
| Net replacement income brackets | Seizable / Assignable portion |
|---|---|
| On the part of the remuneration ≤ 1,073 EUR | 0 EUR (fully protected) |
| On the part between 1,073.01 EUR and 1,153 EUR | 20% (max. approx. 16.00 EUR) |
| On the part between 1,153.01 EUR and 1,391 EUR | 40% (max. approx. 95.20 EUR) |
| On the part of the remuneration > 1,391 EUR | 100% of the surplus may be seized or assigned |
As with salaries, these brackets are applied progressively to your replacement income. The aim is to balance the protection of a minimum livelihood and the repayment of your creditors, especially in case of unpaid loans or other debts.
Increase of Protected Amount per Dependent Child in 2026
Whether you receive a salary or a replacement income, the law provides an additional protection for workers who financially support one or more dependent children. For each dependent child, the protection threshold is increased by 66 EUR.
Concretely, this means that a larger part of your income is non-seizable, and that the calculation of the assignable or seizable portion takes this higher threshold into account. This mechanism aims to preserve the essential needs of the family, in particular housing, food, and education expenses for children.
To benefit from this increase, the debtor whose income is subject to seizure or assignment must explicitly declare each dependent child using the dependent child declaration form provided in the seizure or assignment procedure. Without this declaration, the increase will not be taken into account, and the seizable portion of your income may be calculated too high.
To Protect More of Your Income
- List all your dependent children carefully.
- Fill in and sign the dependent child declaration form.
- Return the form within the specified deadline to the competent authority (bailiff, employer, etc.).
- Keep a copy of all documents for your personal records.
Why Anticipating Seizure Helps Protect Your Finances
Understanding how much of your income can be seized in 2026 is essential to stay in control of your budget, avoid over-indebtedness, and negotiate more effectively with your creditors.
Clear View of Your Real Disposable Income
By calculating the maximum seizable portion, you know precisely how much income remains at your disposal each month, allowing you to adjust your expenses and priorities accordingly in 2026. Discover more about securing your income with our Crédit à la consommation.
Better Protection Against Over-Indebtedness
By anticipating possible seizures, you can reorganize your loans, consolidate your debts, or negotiate payment plans before your creditors initiate formal procedures that affect your salary or benefits.
Protection of Your Family’s Standard of Living
By declaring your dependent children and knowing the thresholds in force in 2026, you ensure that a larger part of your income is protected, helping to maintain a minimum standard of living for your household despite the repayment of debts.
Need Help Anticipating the Impact of Seizure on Your Budget?
Before a creditor seizes part of your salary or replacement income, it is often possible to restructure your debts or adapt your repayment schedule. Together, we can help you understand the limits applicable in 2026 and find solutions tailored to your situation.
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