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Spanish Pension with 20 Years of Contributions (2026)
With 20 years you get 62.38% of the regulatory base retiring in 2026 and 61.4% from 2027. Pension table by regulatory base.
Share of the regulatory base
84.2 %
| Estimated pension (14 payments) | 1.684,00 €/month |
| 15 years | 50 % |
| 20 years | 61.4 % |
| 25 years | 72.8 % |
| 30 years | 84.2 % |
| 35 years | 95.6 % |
| 36.5 years | 98.92 % |
| 37 years | 100 % |
With 15 years you get 50% of the regulatory base. Each extra month adds: in 2026, 0.21% for the first 49 months and 0.19% for the next 209 (100% at 36 y 6 m); from 2027, 0.19% to month 248 and 0.18% for the next 16 (100% at 37 years). Early retirement cuts and the delay bonus are not included.
LGSS art. 210 and DT 9. Checked: October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: Ley General de la Seguridad Social (BOE)
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Answer: with 20 years of contributions, the pension is 62.38% of your regulatory base retiring in 2026 and 61.4% from 2027 (LGSS art. 210 and DT 9), at the normal age. 15 years gives 50%; 100% comes at 36 y 6 m in 2026 or 37 years from 2027.
| Regulatory base | Pension 2026 | Pension 2027+ |
|---|---|---|
| 1.200 € | 749 € | 737 € |
| 1.600 € | 998 € | 982 € |
| 2.000 € | 1.248 € | 1.228 € |
| 2.500 € | 1.560 € | 1.535 € |
| 3.000 € | 1.871 € | 1.842 € |
Monthly pension in 14 payments, before supplements, early-retirement cuts or the maximum pension cap.
Questions people ask
How many years for a 100% pension?+
36 years 6 months retiring in 2026; 37 years from 2027. Under 15 years there's no contributory pension.