{"id":77,"date":"2026-08-12T14:18:10","date_gmt":"2026-08-12T14:18:10","guid":{"rendered":"https:\/\/calculatusueldo.es\/?p=77"},"modified":"2026-08-12T14:18:11","modified_gmt":"2026-08-12T14:18:11","slug":"como-calcular-la-prestacion-por-desempleo","status":"publish","type":"post","link":"https:\/\/calculatusueldo.es\/?p=77","title":{"rendered":"C\u00f3mo calcular la prestaci\u00f3n por desempleo"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La <strong>prestaci\u00f3n contributiva por desempleo<\/strong>, conocida normalmente como <strong>paro<\/strong>, no se calcula directamente sobre tu salario neto. El c\u00e1lculo se realiza principalmente a partir de las <strong>bases de cotizaci\u00f3n por desempleo de los \u00faltimos 180 d\u00edas trabajados<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En esta gu\u00eda te explicamos c\u00f3mo calcularla paso a paso y cu\u00e1nto podr\u00edas cobrar aproximadamente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Comprueba si tienes derecho al paro<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de calcular la cantidad, debes comprobar que cumples los requisitos para acceder a la prestaci\u00f3n contributiva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Como regla general, necesitas haber cotizado <strong>al menos 360 d\u00edas por desempleo dentro de los 6 a\u00f1os anteriores<\/strong> a la situaci\u00f3n legal de desempleo. La duraci\u00f3n de la prestaci\u00f3n depender\u00e1 de los d\u00edas cotizados.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adem\u00e1s, debes encontrarte en una situaci\u00f3n legal de desempleo y cumplir los dem\u00e1s requisitos establecidos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Busca tus bases de cotizaci\u00f3n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para calcular cu\u00e1nto cobrar\u00e1s, debes consultar las bases de cotizaci\u00f3n de tus <strong>\u00faltimos 180 d\u00edas trabajados<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El SEPE utiliza las bases de cotizaci\u00f3n por contingencias profesionales correspondientes al desempleo y <strong>no incluye las horas extraordinarias<\/strong> para calcular la base reguladora.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Puedes encontrar esta informaci\u00f3n normalmente en tus n\u00f3minas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Calcula la base reguladora<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La f\u00f3rmula b\u00e1sica es:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Suma de las bases de cotizaci\u00f3n de los \u00faltimos 180 d\u00edas \u00f7 180 = base reguladora diaria<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, si durante los \u00faltimos 180 d\u00edas tu base de cotizaci\u00f3n ha sido de <strong>2.000 \u20ac mensuales<\/strong>, la media ser\u00eda aproximadamente:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.000 \u20ac al mes<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A efectos del ejemplo, esa ser\u00eda tu base reguladora mensual aproximada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Aplica el 70 %<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Durante los <strong>primeros 180 d\u00edas de prestaci\u00f3n<\/strong>, se aplica el <strong>70 % de la base reguladora<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, con una base reguladora de <strong>2.000 \u20ac<\/strong>:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.000 \u00d7 70 % = 1.400 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El resultado inicial ser\u00eda <strong>1.400 \u20ac al mes<\/strong>, antes de comprobar los l\u00edmites y las posibles deducciones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. A partir del d\u00eda 181 se aplica el 60 %<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Desde el <strong>d\u00eda 181 de prestaci\u00f3n<\/strong>, el porcentaje pasa al <strong>60 % de la base reguladora<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Siguiendo el ejemplo:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.000 \u00d7 60 % = 1.200 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por tanto:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Primeros 180 d\u00edas:<\/strong> 1.400 \u20ac aproximadamente.<\/li>\n\n\n\n<li><strong>Desde el d\u00eda 181:<\/strong> 1.200 \u20ac aproximadamente.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">6. Comprueba los l\u00edmites m\u00e1ximos y m\u00ednimos<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No siempre cobrar\u00e1s exactamente el 70 % o el 60 % calculado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La prestaci\u00f3n tiene <strong>cuant\u00edas m\u00ednimas y m\u00e1ximas<\/strong> que dependen, entre otros factores, de si tienes hijos a cargo. Para 2026, el SEPE establece estos l\u00edmites mensuales:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Situaci\u00f3n<\/th><th>M\u00ednimo<\/th><th>M\u00e1ximo<\/th><\/tr><\/thead><tbody><tr><td>Sin hijos<\/td><td>560 \u20ac<\/td><td>1.225 \u20ac<\/td><\/tr><tr><td>Con 1 hijo<\/td><td>749 \u20ac<\/td><td>1.400 \u20ac<\/td><\/tr><tr><td>Con 2 o m\u00e1s hijos<\/td><td>749 \u20ac<\/td><td>1.575 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, si tu c\u00e1lculo da:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.500 \u00d7 70 % = 1.750 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">no cobrar\u00edas 1.750 \u20ac si tu l\u00edmite m\u00e1ximo aplicable es inferior.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7. Ten en cuenta las deducciones<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La cantidad calculada por el SEPE no tiene por qu\u00e9 coincidir exactamente con el dinero que finalmente recibir\u00e1s en tu cuenta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La prestaci\u00f3n puede estar sujeta a <strong>cotizaci\u00f3n a la Seguridad Social y retenci\u00f3n de IRPF<\/strong>, cuando corresponda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por eso hay que diferenciar:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Prestaci\u00f3n calculada \u2192 deducciones \u2192 cantidad finalmente ingresada<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">8. \u00bfCu\u00e1nto tiempo puedo cobrar el paro?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La duraci\u00f3n depende de los d\u00edas que hayas cotizado durante los 6 a\u00f1os anteriores.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>D\u00edas cotizados<\/th><th>Prestaci\u00f3n<\/th><\/tr><\/thead><tbody><tr><td>360 &#8211; 539<\/td><td>120 d\u00edas<\/td><\/tr><tr><td>540 &#8211; 719<\/td><td>180 d\u00edas<\/td><\/tr><tr><td>720 &#8211; 899<\/td><td>240 d\u00edas<\/td><\/tr><tr><td>900 &#8211; 1.079<\/td><td>300 d\u00edas<\/td><\/tr><tr><td>1.080 &#8211; 1.259<\/td><td>360 d\u00edas<\/td><\/tr><tr><td>1.260 &#8211; 1.439<\/td><td>420 d\u00edas<\/td><\/tr><tr><td>1.440 &#8211; 1.619<\/td><td>480 d\u00edas<\/td><\/tr><tr><td>1.620 &#8211; 1.799<\/td><td>540 d\u00edas<\/td><\/tr><tr><td>1.800 &#8211; 1.979<\/td><td>600 d\u00edas<\/td><\/tr><tr><td>1.980 &#8211; 2.159<\/td><td>660 d\u00edas<\/td><\/tr><tr><td>2.160 o m\u00e1s<\/td><td>720 d\u00edas<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, con <strong>720 d\u00edas cotizados<\/strong>, corresponder\u00edan <strong>240 d\u00edas de prestaci\u00f3n<\/strong>, es decir, aproximadamente 8 meses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ejemplo completo<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imagina un trabajador con:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Base reguladora aproximada: <strong>2.000 \u20ac<\/strong><\/li>\n\n\n\n<li>2 a\u00f1os cotizados.<\/li>\n\n\n\n<li>Sin hijos.<\/li>\n\n\n\n<li>Situaci\u00f3n legal de desempleo.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Primeros 180 d\u00edas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.000 \u00d7 70 % = 1.400 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pero el m\u00e1ximo para una persona sin hijos en 2026 es <strong>1.225 \u20ac<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por tanto:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1.400 \u20ac \u2192 1.225 \u20ac<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Desde el d\u00eda 181<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.000 \u00d7 60 % = 1.200 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Como esta cantidad est\u00e1 por debajo del m\u00e1ximo de 1.225 \u20ac, el importe calculado ser\u00eda:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1.200 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As\u00ed, de forma orientativa:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Primeros 6 meses \u2192 1.225 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Desde el s\u00e9ptimo mes \u2192 1.200 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despu\u00e9s habr\u00eda que tener en cuenta las deducciones que correspondan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 pasa si has trabajado a tiempo parcial?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si has trabajado a tiempo parcial, el c\u00e1lculo tiene algunas particularidades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El SEPE utiliza las bases de cotizaci\u00f3n de los \u00faltimos 180 d\u00edas y, cuando has tenido diferentes porcentajes de jornada, puede calcularse un promedio teniendo en cuenta los d\u00edas cotizados y la jornada realizada. Adem\u00e1s, los l\u00edmites m\u00ednimo y m\u00e1ximo pueden ajustarse seg\u00fan la jornada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por eso, no es correcto calcular simplemente:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Salario neto \u00d7 70 %<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 pasa si he tenido varios trabajos?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si has tenido varios contratos durante los \u00faltimos 180 d\u00edas, hay que analizar las bases de cotizaci\u00f3n correspondientes a ese per\u00edodo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, si durante unos meses trabajaste a jornada completa y posteriormente a media jornada, el c\u00e1lculo tendr\u00e1 en cuenta las cotizaciones y jornadas correspondientes al per\u00edodo utilizado para determinar la base reguladora.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Diferencia entre salario y base reguladora<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Este punto es muy importante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Salario bruto:<\/strong> lo que generas antes de las deducciones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Salario neto:<\/strong> lo que finalmente recibes en tu cuenta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Base reguladora del paro:<\/strong> cantidad calculada a partir de las bases de cotizaci\u00f3n de los \u00faltimos 180 d\u00edas y utilizada para determinar la prestaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por eso, conocer \u00fanicamente tu salario neto <strong>no permite calcular exactamente cu\u00e1nto paro cobrar\u00e1s<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">F\u00f3rmula r\u00e1pida para calcular el paro<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">De forma simplificada:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Suma las bases de cotizaci\u00f3n de los \u00faltimos 180 d\u00edas.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Divide entre 180.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Obt\u00e9n la base reguladora.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Aplica el 70 % durante los primeros 180 d\u00edas.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Aplica el 60 % desde el d\u00eda 181.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>6. Comprueba los l\u00edmites m\u00ednimos y m\u00e1ximos.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>7. Resta las deducciones que correspondan.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ejemplo r\u00e1pido<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Base reguladora:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.000 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Primeros 180 d\u00edas:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.000 \u00d7 70 % = 1.400 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Desde el d\u00eda 181:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2.000 \u00d7 60 % = 1.200 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despu\u00e9s se comprueban los l\u00edmites correspondientes y las posibles deducciones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">En resumen<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para calcular la prestaci\u00f3n por desempleo necesitas principalmente conocer <strong>tus bases de cotizaci\u00f3n de los \u00faltimos 180 d\u00edas<\/strong> y los <strong>d\u00edas que has cotizado<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La f\u00f3rmula b\u00e1sica es:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Base reguladora \u00d7 70 % = prestaci\u00f3n durante los primeros 180 d\u00edas<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Base reguladora \u00d7 60 % = prestaci\u00f3n desde el d\u00eda 181<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pero el resultado final est\u00e1 condicionado por los <strong>l\u00edmites m\u00ednimos y m\u00e1ximos<\/strong> establecidos por el SEPE y por las posibles deducciones.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La prestaci\u00f3n contributiva por desempleo, conocida normalmente como paro, no se calcula directamente sobre tu salario neto. El c\u00e1lculo se [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"class_list":["post-77","post","type-post","status-publish","format-standard","hentry","category-paro-y-prestaciones"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>C\u00f3mo calcular la prestaci\u00f3n por desempleo - Calcula tu sueldo<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/calculatusueldo.es\/?p=77\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00f3mo calcular la prestaci\u00f3n por desempleo - Calcula tu sueldo\" \/>\n<meta property=\"og:description\" content=\"La prestaci\u00f3n contributiva por desempleo, conocida normalmente como paro, no se calcula directamente sobre tu salario neto. 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