Early retirement
There are two routes to retiring early in Spain and they are not variations of each other: one is voluntary, the other requires that the job loss was not the worker’s own doing. The contribution requirement differs, how far you may bring retirement forward differs, and above all the reduction table differs. The reduction is not a per-month rate — it is read from a table.
The two routes are not variations of one rule: the contribution requirement differs, how far you may bring retirement forward differs, and so does the table that reduces the pension. The two tables agree between months 7 and 20 and diverge outside that range.
The age the anticipation is counted back from is not the age you would retire at today: arts. 207.2 and 208.2 define it as the age that WOULD have applied had you kept contributing up to it. Because the ordinary-age timetable branches on contribution period, for many people those two ages are not the same.
Jubilación anticipada por voluntad del interesado
Up to 2 years before the reference age, with a minimum of 35 years contributed (art. 208 LGSS).
- art. 208.1.c) LGSS — The resulting pension must exceed the minimum pension that would correspond to the claimant at 65 given their family situation; otherwise this route is not available at all.
- art. 208.3 LGSS — A claimant drawing the art. 274 unemployment subsidy for at least three months is priced on the art. 207 grid instead, while still having to meet art. 208.1s own conditions.
Reduction table
| Months early | Under 38 years and 6 months | 38 years and 6 months to under 41 years and 6 months | 41 years and 6 months to under 44 years and 6 months | 44 years and 6 months or more |
|---|---|---|---|---|
| 24 | 21,00 % | 19,00 % | 17,00 % | 13,00 % |
| 23 | 17,60 % | 16,50 % | 15,00 % | 12,00 % |
| 22 | 14,67 % | 14,00 % | 13,33 % | 11,00 % |
| 21 | 12,57 % | 12,00 % | 11,43 % | 10,00 % |
| 20 | 11,00 % | 10,50 % | 10,00 % | 9,20 % |
| 19 | 9,78 % | 9,33 % | 8,89 % | 8,40 % |
| 18 | 8,80 % | 8,40 % | 8,00 % | 7,60 % |
| 17 | 8,00 % | 7,64 % | 7,27 % | 6,91 % |
| 16 | 7,33 % | 7,00 % | 6,67 % | 6,33 % |
| 15 | 6,77 % | 6,46 % | 6,15 % | 5,85 % |
| 14 | 6,29 % | 6,00 % | 5,71 % | 5,43 % |
| 13 | 5,87 % | 5,60 % | 5,33 % | 5,07 % |
| 12 | 5,50 % | 5,25 % | 5,00 % | 4,75 % |
| 11 | 5,18 % | 4,94 % | 4,71 % | 4,47 % |
| 10 | 4,89 % | 4,67 % | 4,44 % | 4,22 % |
| 9 | 4,63 % | 4,42 % | 4,21 % | 4,00 % |
| 8 | 4,40 % | 4,20 % | 4,00 % | 3,80 % |
| 7 | 4,19 % | 4,00 % | 3,81 % | 3,62 % |
| 6 | 4,00 % | 3,82 % | 3,64 % | 3,45 % |
| 5 | 3,83 % | 3,65 % | 3,48 % | 3,30 % |
| 4 | 3,67 % | 3,50 % | 3,33 % | 3,17 % |
| 3 | 3,52 % | 3,36 % | 3,20 % | 3,04 % |
| 2 | 3,38 % | 3,23 % | 3,08 % | 2,92 % |
| 1 | 3,26 % | 3,11 % | 2,96 % | 2,81 % |
Legal basis: Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 208; Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 208.1.a); Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 208.1.b); Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 208.2; Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 208.1.c) y 208.3 (in force 01.01.2026 - 31.12.2026)
Jubilación anticipada por causa no imputable al trabajador
Up to 4 years before the reference age, with a minimum of 33 years contributed (art. 207 LGSS).
- art. 207.1.b) LGSS — Registered as a jobseeker for at least the six months immediately preceding the application.
- art. 207.1.d) LGSS — Cessation must fall under one of seven listed causes: collective dismissal (ET art. 51), objective dismissal (ET art. 52), judicial termination under the Ley concursal, death/retirement/incapacity of an individual employer or extinction of the contracting legal person, force majeure confirmed by the labour authority (ET art. 51.7), termination by the worker under ET arts. 40.1/41.3/50, and termination by a worker who is a victim of gender or sexual violence (ET art. 49.1.m)).
- art. 207.1.d) último párrafo LGSS — For causes 1, 2 and 6 the claimant must evidence receipt of the severance payment (bank transfer or equivalent), or a filed claim for it or against the dismissal.
- art. 210.4 LGSS — After the coefficients are applied, the pension may not exceed the maximum pension reduced by 0,50 % per quarter or part-quarter of anticipation. art. 210.5 excludes the arts. 206/206 bis routes from this.
Reduction table
| Months early | Under 38 years and 6 months | 38 years and 6 months to under 41 years and 6 months | 41 years and 6 months to under 44 years and 6 months | 44 years and 6 months or more |
|---|---|---|---|---|
| 48 | 30,00 % | 28,00 % | 26,00 % | 24,00 % |
| 47 | 29,38 % | 27,42 % | 25,46 % | 23,50 % |
| 46 | 28,75 % | 26,83 % | 24,92 % | 23,00 % |
| 45 | 28,13 % | 26,25 % | 24,38 % | 22,50 % |
| 44 | 27,50 % | 25,67 % | 23,83 % | 22,00 % |
| 43 | 26,88 % | 25,08 % | 23,29 % | 21,50 % |
| 42 | 26,25 % | 24,50 % | 22,75 % | 21,00 % |
| 41 | 25,63 % | 23,92 % | 22,21 % | 20,50 % |
| 40 | 25,00 % | 23,33 % | 21,67 % | 20,00 % |
| 39 | 24,38 % | 22,75 % | 21,13 % | 19,50 % |
| 38 | 23,75 % | 22,17 % | 20,58 % | 19,00 % |
| 37 | 23,13 % | 21,58 % | 20,04 % | 18,50 % |
| 36 | 22,50 % | 21,00 % | 19,50 % | 18,00 % |
| 35 | 21,88 % | 20,42 % | 18,96 % | 17,50 % |
| 34 | 21,25 % | 19,83 % | 18,42 % | 17,00 % |
| 33 | 20,63 % | 19,25 % | 17,88 % | 16,50 % |
| 32 | 20,00 % | 18,67 % | 17,33 % | 16,00 % |
| 31 | 19,38 % | 18,08 % | 16,79 % | 15,50 % |
| 30 | 18,75 % | 17,50 % | 16,25 % | 15,00 % |
| 29 | 18,13 % | 16,92 % | 15,71 % | 14,50 % |
| 28 | 17,50 % | 16,33 % | 15,17 % | 14,00 % |
| 27 | 16,88 % | 15,75 % | 14,63 % | 13,50 % |
| 26 | 16,25 % | 15,17 % | 14,08 % | 13,00 % |
| 25 | 15,63 % | 14,58 % | 13,54 % | 12,50 % |
| 24 | 15,00 % | 14,00 % | 13,00 % | 12,00 % |
| 23 | 14,38 % | 13,42 % | 12,46 % | 11,50 % |
| 22 | 13,75 % | 12,83 % | 11,92 % | 11,00 % |
| 21 | 12,57 % | 12,00 % | 11,38 % | 10,00 % |
| 20 | 11,00 % | 10,50 % | 10,00 % | 9,20 % |
| 19 | 9,78 % | 9,33 % | 8,89 % | 8,40 % |
| 18 | 8,80 % | 8,40 % | 8,00 % | 7,60 % |
| 17 | 8,00 % | 7,64 % | 7,27 % | 6,91 % |
| 16 | 7,33 % | 7,00 % | 6,67 % | 6,33 % |
| 15 | 6,77 % | 6,46 % | 6,15 % | 5,85 % |
| 14 | 6,29 % | 6,00 % | 5,71 % | 5,43 % |
| 13 | 5,87 % | 5,60 % | 5,33 % | 5,07 % |
| 12 | 5,50 % | 5,25 % | 5,00 % | 4,75 % |
| 11 | 5,18 % | 4,94 % | 4,71 % | 4,47 % |
| 10 | 4,89 % | 4,67 % | 4,44 % | 4,22 % |
| 9 | 4,63 % | 4,42 % | 4,21 % | 4,00 % |
| 8 | 4,40 % | 4,20 % | 4,00 % | 3,80 % |
| 7 | 4,19 % | 4,00 % | 3,81 % | 3,62 % |
| 6 | 3,75 % | 3,50 % | 3,25 % | 3,00 % |
| 5 | 3,13 % | 2,92 % | 2,71 % | 2,50 % |
| 4 | 2,50 % | 2,33 % | 2,17 % | 2,00 % |
| 3 | 1,88 % | 1,75 % | 1,63 % | 1,50 % |
| 2 | 1,25 % | 1,17 % | 1,08 % | 1,00 % |
| 1 | 0,63 % | 0,58 % | 0,54 % | 0,50 % |
Legal basis: Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 207; Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 207.1.a); Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 207.1.c); Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 207.2; Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), art. 207.1 + art. 210.4 (in force 01.01.2026 - 31.12.2026)
Routes that lower the age, not the amount
- art. 206 LGSS — Scales of reducing coefficients lower the qualifying age for occupations that are exceptionally arduous, toxic, dangerous or unhealthy. NOT PRICED HERE: art. 206 itself is confirmed (retrieved in full, live BOE consolidated text) to hold no coefficient VALUES — it sets only the general PROCEDURE. Coefficients are approved per professional group/sector by separate royal decrees on joint petition of that sector's employer and union organisations (art. 206.3), and each such decree is reviewed every ten years (art. 206.5). There is no single generic "coefficient instrument" to retrieve — every recognised profession (mining, fishing, and others) carries its own decree, none of which this payload prices. Naming the route without costing it is deliberate — it is a bounded-incomplete retrieval, not a finding that the route carries no reduction.
- art. 206 bis LGSS — A lowered qualifying age for workers with a disability rated at 65% or more, or at 45% or more where the specific disability is regulatorily determined to significantly reduce life expectancy (art. 206 bis.1). NOT PRICED HERE, for the same reason as art. 206: art. 206 bis.1 itself delegates the reduction to a dedicated royal decree ("en los términos contenidos en el correspondiente real decreto acordado a propuesta del titular del Ministerio de Inclusión, Seguridad Social y Migraciones") that this payload does not retrieve.
Legal basis: Real Decreto Legislativo 8/2015 (texto refundido de la LGSS), arts. 206 y 206 bis (in force 01.01.2026 - 31.12.2026)