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Retirement Pension Calculator Spain 2026

Estimate your contributory pension: percentage by years contributed, regulatory base, early retirement and 2026 caps (max €3,267.22/month · min €804.50/month).

15 años

50%

25 años

73,1%

30 años

83,6%

37 años

100%

Contribution details

Estimated monthly regulatory base (€): average of last 300 months

Approximation: use your monthly gross salary as a reference. The real base is the average of the last 300 contribution months (25 years) deflated.

Years contributed

Additional months

Retirement type

Ordinary retirement (66y 8m or 65y with 38y 3m in 2026)Voluntary early retirement (min. 63, penalty 2.75-3%/quarter)Involuntary early retirement (collective dismissal; min. 61, penalty 1.875%/quarter)Do you have a dependent spouse or partner?

Enter the regulatory base and years contributed to estimate your pension.

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Retirement pension FAQ

Can I work while receiving my retirement pension?

Yes, partially. Since 2021, you can receive 50% of your pension while working, or 100% if you are self-employed with at least one employee. When you stop working, you receive 100% of the pension. Active retirement requires reaching ordinary retirement age and having 100% of the pension.

What happens if I retire before 65?

Voluntary early retirement from age 63 carries a permanent penalty of 2.75-3% per quarter early. With ordinary retirement at 66 years 8 months, retiring at 63 means 14-15 quarters → 21-45% permanent reduction. Involuntary early retirement (collective dismissal, company insolvency) from age 61 has a lower penalty (1.875%/quarter).

What is the 2026 pension cap and minimum?

Maximum: €3,267.22/month (14 payments = €45,740.08/year). Minimum contributory pension: €987.70/month with dependent spouse, €804.50/month without.

Legal note: Indicative calculator based on Arts. 205-213 LGSS (RDL 8/2015) and 2026 values. The real regulatory base requires calculating the last 300 contribution months deflated by CPI; this calculator uses an approximation. Does not include: gender gap supplement, foreign contributions (bilateral agreements), IT/unemployment periods with special contributions, or special regimes (self-employed RETA, agricultural, domestic workers). For your exact pension, request a free "estimated pension" at Tu Seguridad Social (INSS) portal.