Active retirement: self-employed workers can collect up to 100% of their pension and keep their business running
A special solidarity contribution of 9% is applied, which is not computable for the purposes of calculating future retirement benefits.
Spain's active retirement scheme allows self-employed individuals to continue working while receiving a pension. To be eligible, one must have reached the ordinary retirement age, which is 65 or 66 years and 10 months in 2026, and have at least 15 years of contributions. The pension percentage received varies depending on the years delayed, ranging from 45% to 100%.
Self-employed individuals with employees have advantages, including a higher pension percentage and a 5% increase per year. Both employers and employees make a 9% solidarity contribution while working during active retirement.
Written by urgent.news from Expansion ES's report — not a translation of it. Machine-written — may contain errors; check the original before relying on it.
