Glossary
Subsistence minimum (Existenzminimum)
Minimum vital (FR) · Existenzminimum (DE) · Minimo vitale (IT)
Updated on 28 July 2026
Definition
The subsistence minimum is the share of income considered essential to support the debtor and their family. It cannot be attached: only what exceeds that threshold may be taken for the creditor.
The office calculates this amount from a basic allowance, to which it adds in particular rent, compulsory health insurance premiums and actual professional expenses. The result therefore varies considerably from one situation to another.
That calculation rests entirely on the information you provide. It is the most under-used point in the whole procedure: an unreported insurance premium or undeclared travel costs, and the subsistence minimum applied will be too low — so the attachment too high.
Send supporting documents to the office from the outset, and report any change in circumstances (a move, a birth, job loss, a premium increase). A recalculation can be requested: it is not a favour, but the correct application of the law.
Key points
- Only income above the subsistence minimum can be attached.
- Rent, health premiums and professional costs count in the calculation.
- A change in circumstances justifies asking for a recalculation.
Legal basis : Art. 93 DEBA/SchKG