{"id":83,"date":"2026-08-12T14:20:38","date_gmt":"2026-08-12T14:20:38","guid":{"rendered":"https:\/\/calculatusueldo.es\/?p=83"},"modified":"2026-08-12T14:20:39","modified_gmt":"2026-08-12T14:20:39","slug":"jubilacion-en-2026-edad-y-requisitos","status":"publish","type":"post","link":"https:\/\/calculatusueldo.es\/?p=83","title":{"rendered":"Jubilaci\u00f3n en 2026: edad y requisitos"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La edad para jubilarse en Espa\u00f1a en <strong>2026<\/strong> depende principalmente de <strong>los a\u00f1os que hayas cotizado a la Seguridad Social<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2026 existen dos edades ordinarias de jubilaci\u00f3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>65 a\u00f1os<\/strong>, si has cotizado <strong>38 a\u00f1os y 3 meses o m\u00e1s<\/strong>.<\/li>\n\n\n\n<li><strong>66 a\u00f1os y 10 meses<\/strong>, si has cotizado <strong>menos de 38 a\u00f1os y 3 meses<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pero la edad no es el \u00fanico requisito. Tambi\u00e9n es necesario cumplir un per\u00edodo m\u00ednimo de cotizaci\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfCu\u00e1ntos a\u00f1os hay que cotizar para jubilarse?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Como regla general, necesitas haber cotizado <strong>al menos 15 a\u00f1os<\/strong> para tener derecho a una pensi\u00f3n contributiva de jubilaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adem\u00e1s, <strong>2 de esos a\u00f1os deben estar comprendidos dentro de los 15 a\u00f1os inmediatamente anteriores<\/strong> al momento de causar el derecho a la pensi\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por tanto:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>M\u00ednimo: 15 a\u00f1os cotizados<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>De esos 15 a\u00f1os: al menos 2 dentro de los \u00faltimos 15 a\u00f1os.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Edad de jubilaci\u00f3n en 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La siguiente tabla resume la edad ordinaria:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Cotizaci\u00f3n acumulada<\/th><th>Edad de jubilaci\u00f3n en 2026<\/th><\/tr><\/thead><tbody><tr><td>38 a\u00f1os y 3 meses o m\u00e1s<\/td><td><strong>65 a\u00f1os<\/strong><\/td><\/tr><tr><td>Menos de 38 a\u00f1os y 3 meses<\/td><td><strong>66 a\u00f1os y 10 meses<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, una persona con <strong>40 a\u00f1os cotizados<\/strong> podr\u00e1 jubilarse ordinariamente a los <strong>65 a\u00f1os<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una persona con <strong>30 a\u00f1os cotizados<\/strong> tendr\u00e1 que esperar, con car\u00e1cter general, hasta los <strong>66 a\u00f1os y 10 meses<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfPuedo jubilarme con solo 15 a\u00f1os cotizados?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, <strong>15 a\u00f1os pueden ser suficientes para cumplir el per\u00edodo m\u00ednimo de cotizaci\u00f3n<\/strong>, siempre que tambi\u00e9n se cumpla el requisito de los 2 a\u00f1os cotizados dentro de los \u00faltimos 15.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin embargo, hay que tener en cuenta algo importante:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>15 a\u00f1os cotizados no significan cobrar el 100 % de la pensi\u00f3n.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con 15 a\u00f1os, el porcentaje aplicable a la base reguladora parte del <strong>50 %<\/strong> en 2026. El porcentaje aumenta a medida que se acumulan m\u00e1s meses de cotizaci\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfCu\u00e1ntos a\u00f1os necesito para cobrar el 100 %?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No hay que confundir el <strong>per\u00edodo m\u00ednimo para tener derecho a una pensi\u00f3n<\/strong> con el per\u00edodo necesario para alcanzar el porcentaje m\u00e1ximo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con 15 a\u00f1os:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>15 a\u00f1os cotizados \u2192 50 % de la base reguladora<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A partir de ah\u00ed, el porcentaje aumenta progresivamente seg\u00fan los meses adicionales cotizados.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por eso, una persona con 15 a\u00f1os cotizados puede tener derecho a una pensi\u00f3n, pero su importe ser\u00e1 muy diferente del de otra persona con una carrera de cotizaci\u00f3n mucho m\u00e1s larga.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo se calcula la pensi\u00f3n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La cantidad que recibir\u00e1s depende principalmente de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tus <strong>bases de cotizaci\u00f3n<\/strong>.<\/li>\n\n\n\n<li>Los a\u00f1os y meses cotizados.<\/li>\n\n\n\n<li>El porcentaje que corresponda seg\u00fan esos a\u00f1os.<\/li>\n\n\n\n<li>La normativa aplicable en el momento de la jubilaci\u00f3n.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">De forma simplificada:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Base reguladora \u00d7 porcentaje seg\u00fan a\u00f1os cotizados = pensi\u00f3n<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, si hipot\u00e9ticamente la base reguladora fuera de <strong>1.500 \u20ac<\/strong> y correspondiera aplicar un 50 %:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1.500 \u00d7 50 % = 750 \u20ac<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es solo un ejemplo para entender el funcionamiento; el c\u00e1lculo real de la base reguladora es m\u00e1s complejo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 ocurre si he trabajado a tiempo parcial?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Los per\u00edodos de trabajo a tiempo parcial tambi\u00e9n cuentan para determinar el per\u00edodo de cotizaci\u00f3n a efectos de jubilaci\u00f3n conforme a las reglas aplicables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Seguridad Social establece que, para determinar determinados per\u00edodos de cotizaci\u00f3n en trabajos a tiempo parcial, se tienen en cuenta los per\u00edodos en los que el trabajador ha estado de alta, independientemente de la duraci\u00f3n de la jornada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por eso, trabajar a media jornada <strong>no significa autom\u00e1ticamente que cada a\u00f1o trabajado cuente como medio a\u00f1o para acceder a la jubilaci\u00f3n<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfPuedo jubilarme antes de la edad ordinaria?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. Existen modalidades de <strong>jubilaci\u00f3n anticipada<\/strong>, aunque tienen requisitos espec\u00edficos y pueden implicar una reducci\u00f3n de la pensi\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, la jubilaci\u00f3n anticipada voluntaria permite, con car\u00e1cter general, acceder hasta <strong>dos a\u00f1os antes de la edad ordinaria que corresponda<\/strong>, siempre que se cumplan los dem\u00e1s requisitos establecidos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tambi\u00e9n existe la jubilaci\u00f3n anticipada por determinadas causas no voluntarias, con requisitos diferentes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por eso, no basta con tener suficientes a\u00f1os cotizados: hay que comprobar qu\u00e9 modalidad de jubilaci\u00f3n anticipada se aplica.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfY si quiero seguir trabajando despu\u00e9s de la edad de jubilaci\u00f3n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tambi\u00e9n existe la posibilidad de <strong>demorar la jubilaci\u00f3n<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cuando se contin\u00faa trabajando despu\u00e9s de alcanzar la edad ordinaria y se cumplen los requisitos correspondientes, pueden existir incentivos econ\u00f3micos sobre la pensi\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Seguridad Social permite adem\u00e1s utilizar su simulador para comprobar una estimaci\u00f3n de la edad de jubilaci\u00f3n y de la pensi\u00f3n en funci\u00f3n de los datos disponibles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ejemplos<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Ejemplo 1: 15 a\u00f1os cotizados<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una persona tiene <strong>15 a\u00f1os cotizados<\/strong> y cumple el requisito de que al menos 2 est\u00e9n dentro de los \u00faltimos 15.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cumple el per\u00edodo m\u00ednimo de cotizaci\u00f3n para acceder a una pensi\u00f3n contributiva, pero el porcentaje inicial sobre la base reguladora es del <strong>50 %<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ejemplo 2: 30 a\u00f1os cotizados<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una persona tiene <strong>30 a\u00f1os cotizados<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Supera ampliamente los 15 a\u00f1os m\u00ednimos, pero al tener menos de 38 a\u00f1os y 3 meses cotizados, en 2026 su edad ordinaria ser\u00eda <strong>66 a\u00f1os y 10 meses<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ejemplo 3: 40 a\u00f1os cotizados<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una persona tiene <strong>40 a\u00f1os cotizados<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Como supera los <strong>38 a\u00f1os y 3 meses<\/strong>, en 2026 puede acceder a la jubilaci\u00f3n ordinaria a los <strong>65 a\u00f1os<\/strong>, si cumple los dem\u00e1s requisitos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 pasa a partir de 2027?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La edad de jubilaci\u00f3n sigue aumentando progresivamente hasta llegar a las reglas previstas para 2027.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A partir de 2027, la referencia general ser\u00e1:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>65 a\u00f1os<\/strong>, con <strong>38 a\u00f1os y 6 meses o m\u00e1s cotizados<\/strong>.<\/li>\n\n\n\n<li><strong>67 a\u00f1os<\/strong>, con menos de 38 a\u00f1os y 6 meses cotizados.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Por eso, si todav\u00eda faltan varios a\u00f1os para tu jubilaci\u00f3n, las reglas que se aplicar\u00e1n pueden ser diferentes de las de 2026.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">En resumen<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para jubilarte en Espa\u00f1a en <strong>2026<\/strong>:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Edad ordinaria:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>65 a\u00f1os<\/strong> \u2192 si tienes <strong>38 a\u00f1os y 3 meses o m\u00e1s cotizados<\/strong>.<\/li>\n\n\n\n<li><strong>66 a\u00f1os y 10 meses<\/strong> \u2192 si tienes menos de <strong>38 a\u00f1os y 3 meses<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cotizaci\u00f3n m\u00ednima:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>15 a\u00f1os cotizados<\/strong>.<\/li>\n\n\n\n<li>Al menos <strong>2 a\u00f1os dentro de los \u00faltimos 15<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Y recuerda que <strong>tener derecho a jubilarte no significa cobrar el 100 % de la base reguladora<\/strong>. Con 15 a\u00f1os cotizados, el porcentaje parte del 50 % y aumenta conforme acumulas m\u00e1s cotizaci\u00f3n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La edad para jubilarse en Espa\u00f1a en 2026 depende principalmente de los a\u00f1os que hayas cotizado a la Seguridad Social. 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