“If you retire a year earlier you would only earn 122 euros less”
To retire in Spain you must have fulfilled 66 years and eight monthsor if you have contributed for 38 years and three months, at 65 years of age. But to opt for early retirement you must do calculations to see if it suits you.
It is what sustains Alfonso MuñozSocial Security official and content creator, who in a video shared on his YouTube channel explains some details about the matter.
“If you retire a year early, you would only charge 122 euros less“says Muñoz in his video, answering the question of an acquaintance who asked him what his retirement pension would be if he chose to retire early.
“In the case of this person, he is one year and two months away from retirement and has contributed 44 years and 9 months during his working life,” continues the state official. In the event that you opt for ordinary retirement, in your case in December 2026, you would receive a pension of 2,287 euros.
If this person, on the other hand, chooses to retire a year earlier, the pension they would receive would be 2,165 euros per monthtaking into account the revaluation that occurs every January 1.
The date is key, explains Muñoz: “If, according to your work history, you retire early on December 24, 2025, your pension would be 2,110 euros per month, while as of January 1 “It would be 2,165 euros per month.”
