Pension Calculator
Calculate your estimated retirement pension in Spain: years contributed, regulatory base and percentage. Free and up to date.
How to calculate your retirement pension in Spain
Calculating the estimated pension you will receive when you retire is key to planning your future. This calculator uses the official parameters of the Spanish system: regulatory base (average of 25 years / 350 months) and percentage based on years contributed.
How the calculation works
Pension = Regulatory Base × % based on years contributed
The regulatory base is the average of contribution bases for the last 25 years divided by 350 months. The percentage ranges from 50% (15 years) to 100% (35+ years), increasing progressively.
Percentage table by years contributed
| Years contributed | Applicable percentage |
|---|---|
| 15 years | 50% |
| 16 years | 50.25% |
| 17 years | 50.5% |
| 18 years | 50.75% |
| 19 years | 51% |
| 20 years | 51.25% |
| 21 years | 51.5% |
| 22 years | 51.75% |
| 23 years | 52% |
| 24 years | 52.25% |
| 25 years | 52.5% |
| 26 years | 77.5% |
| 27 years | 80% |
| 28 years | 82.5% |
| 29 years | 85% |
| 30 years | 87.5% |
| 31 years | 90% |
| 32 years | 92.5% |
| 33 years | 95% |
| 34 years | 97.5% |
| 35 years | 100% |
| 36 years | 100% |
| 37 years | 100% |
| 38 years | 100% |
| 39 years | 100% |
| 40 years | 100% |
Tips for your retirement
- Contributing more years always increases the pension, but the last 5 years have more weight.
- Early retirement penalizes the pension between 4% and 21% depending on months in advance.
- Maximum pensions in Spain are around €3,050/month and minimum pensions around €1,134/month for over 65.
- Supplement with private savings: pension plans, investment funds or savings insurance.
Frequently Asked Questions
How is the retirement pension calculated in Spain?
The pension is calculated by multiplying the regulatory base (average of the last 25 years bases / 350 months) by the percentage based on years contributed: 50% at 15 years up to 100% at 35 years.
How many years do I need to contribute to get a pension?
The minimum is 15 years contributed, of which at least 2 must fall within the last 15 years.
What is the minimum pension in Spain?
In 2026 the minimum pension for those over 65 without dependents is approximately EUR 1,134 per month (14 payments).