To calculate a retirement pension, it is essential to take into account a series of variables that will determine its amount. Of all of them, perhaps the most important is the regulatory base, which depends on the contributions made by the worker during the last years of his working life.
In Spain, the regulatory base of the worker is not only valid for the calculation of retirement pensions. It is also taken as a reference to determine the amount of other contributory pensions such as those for widowhood or permanent disability, as well as for temporary disability benefits (low) or the contributory unemployment benefit (unemployment).
With regard to retirement pensions, the 2011 pension reform planned a progressive calendar in which the years that make up the regulatory base were extended annually. Its last stop was in 2022 , so with the beginning of the new year the end of the reform was reached, which leaves the regulatory base in the sum of the contribution bases of the last 25 years (that is, 300 months) prior to the pension request, divided by 350 .
For retirement pensions, the contribution base taken into account is the contribution base for common contingencies . This concept is the one that takes most of the social contributions : 28.3% of the base, of which the company assumes 23.6% and the worker 4.7%.
With the regulatory base already obtained, the calculation of the retirement pension is as follows: according to the Social Security method , with a minimum of 15 years of contributions, you are entitled to 50% of that regulatory base or the minimum amount of the pension ( here the amounts established for 2022) and then for each of the following 106 months an extra 0.21% of the regulatory base is granted and for each of the following 146 months an extra 0.19% of the regulatory base is granted.
According to these rules, the worker needs to accumulate a total of 36 years worked to access 100% of his regulatory base or what is also known as collecting 100% of the pension.
This is how you can calculate your regulatory base in Social Security
As it is a matter of such importance for the worker, Social Security has a self-calculation tool for the regulatory base . For this, the citizen only has to enter this link , without the need to have access methods such as the digital certificate ( you can get it in four simple steps ) or Cl@ve ( so you can register to obtain Cl@ve PIN or permanent ).
According to the Social Security, this self-calculation program makes an approximate projection of the regulatory base and “operates exclusively” with the data provided by the citizen, which is why the results it projects are only indicative and approximate and “it will not be able to generate rights or obligations in terms of Social Security.
To make the self-calculation of the regulatory base, the first step is to choose under which regulation the calculation is intended to be made. Choosing the current one, the worker has to enter the data of the regulatory bases of the last 300 months. It is not necessary to fill in base by base, since the system can be asked to apply the same base for certain periods of time. It is also possible to fill the bases with the amount established for the maximum and minimum base.
The system informs that in the periods without contributions , the integration of gaps will not be applied (which fills those gaps without contributing with the minimum base in force up to four and a half years from that moment) automatically, so it will be the own worker who has to fill in those fields without filling.
When you fill in all the fields, the program will automatically calculate the regulatory base, also applying the effect of inflation from the two years prior to the pension application. This is done by applying an update index that will be reflected in the final result, that is, the worker’s regulatory base.