How many years will have to be contributed to Social Security
From 2026, the desired retirement in Spain will be a little further from becoming a reality for many Spaniards. The legal age of ordinary retirement It will increase to 66 years and 10 months for those who have quoted less than 38 years and 3 months. On the other hand, those who reach or exceed that contribution time can be withdrawn at age 65.
This change is part of the progressive application of Law 27/2011, which seeks to ensure the sustainability of the public pension system in the face of population aging and the increase in life expectancy. The objective is that by 2027, the ordinary retirement age reaches 67 years.
How many years should you quote to retire in 2026?
- 65 years: if you have quoted 38 years and 3 months or more.
- 66 years and 10 months: if you have quoted less than that period.
What if I want to retire before?
There is the possibility of accessing voluntary early retirement since the age of 63, provided you have quoted at least 35 years, and at least two of them are included in the 15 years prior to the request. This modality implies a reduction in the pension, since reducing coefficients apply.
How much is pension in 2025?
Tax pensions rise 2.8% in 2025, in line with the CPI. Minimum pensions, however, increase 6%, and non -contributory, as well as the minimum vital income, grow 9%.
Minimum contributory retirement pensions (over 65 years old):
- No spouse in charge: € 12,241.60/year
- With spouse in charge: € 15,786.40
- With spouse not in charge: € 11,620/year
Retirees for great disability (over 65):
- With spouse in charge: € 23,678.20/year
- No spouse: € 18,362.40
- With spouse not in charge: € 17,430/year
Non -contributory pensions in 2025
The annual amount for non -contributory pensions amounts to € 7,905.80, which is equivalent to € 564.70 per month in 14 payments. This amount adjusts according to the family and coexistence situation of the beneficiary.
In addition, the son for son in charge of more than 18 years and with disabilities greater than 65% reach € 5,805.60, increasing to € 8,707.20 if the degree of disability is equal to or greater than 75%.