Social Benefits calculators in Spain 2026
Spain's social benefits system covers unemployment, pensions, permanent disability, and the Minimum Vital Income (IMV). The unemployment benefit calculator determines the exact amount based on your regulatory base: 70% for the first 180 days and 50% from day 181. The retirement pension calculator applies the 2026 regime with the standard retirement age of 66 years and 8 months. The IMV calculator estimates the Minimum Vital Income based on your household composition.
The SEPE (Public Employment Service) manages unemployment benefits and subsidies. The INSS manages retirement, disability, widowhood, and orphan's pensions, as well as the IMV. The Ley 20/2021 pension reform continues to phase in changes through 2027.
Expats in Spain commonly ask: how much unemployment benefit will I get?, when can I retire?, or do I qualify for the IMV? The answers depend heavily on years contributed, contribution bases, and family situation.
All Social Benefits calculators
18 calculatorsUnemployment Benefit Calculator
70% of regulatory base for first 180 days, 50% thereafter — SEPE rules.
Unemployment Subsidy Calculator
Means-tested subsidy at 80% IPREM for exhaustees and those over 52.
Minimum Vital Income (IMV) Calculator
IMV amount by household composition and income — INSS 2026 rules.
Retirement Pension Calculator
Ordinary pension by years contributed, regulatory base, and retirement age.
Permanent Disability Pension
Amount by disability grade: partial, total, absolute, or great invalidity.
Widowhood Pension Calculator
Widowhood pension: 52% or 70% of the deceased's regulatory base.
Orphan's Pension Calculator
Orphan's pension: 20% of regulatory base per orphan up to 52% total.
MEC University Grant Calculator
Ministry of Education university grant amount by income and grades 2026.
Active Integration Income (RAI)
RAI benefit at 80% IPREM for long-term unemployed in special circumstances.
Regional Minimum Insertion Income
Your Autonomous Community's RMI: requirements and amount.
Early Retirement Penalties Calculator
Reduction coefficient applied to pension for early voluntary or involuntary retirement.
Legal Retirement Age 2026
Statutory retirement age: 65 or 66 years 8 months depending on years contributed.
Domestic Workers Special Subsidy
Special unemployment subsidy for domestic employees: requirements and amount.
Subsidy for Over-45s
Unemployment subsidy for people over 45 without family responsibilities.
Family Charge Supplement (SEPE)
Supplement to unemployment benefit for dependants (children or disabled).
Returned Emigrant Subsidy
Special SEPE subsidy for Spanish workers returning from abroad.
Agricultural Income Subsidy
Agrarian subsidy for seasonal farm workers in Andalusia and Extremadura.
Equivalent Contribution Years Calculator
Convert part-time contribution periods into full-time equivalents.
What to watch out for
The means-tested subsidy requires income below 75% of the minimum wage
To access the unemployment subsidy (or RAI), your personal monthly income must not exceed 75% of the SMI, equivalent to approximately €888/month in 2026. A small widowhood pension or rental income counts and may exclude you. The subsidy amount is 80% of IPREM (€480/month in 2026).
Retiring one year early can permanently reduce your pension by up to 6.5%
Voluntary early retirement applies a reduction coefficient of between 0.50% and 0.19% per month advanced, depending on years contributed. With 40 years of contributions, retiring 2 years early reduces the pension by approximately 6.5% permanently. The early retirement calculator shows the exact amount for your case.
To receive 100% of your pension in 2026, you need 37 years and 3 months of contributions
In 2026, the pension equals 100% of the regulatory base with at least 37 years and 3 months of contributions. With fewer years, it is calculated at 1.87% per year from the 15th year. Check your contribution record on the INSS digital office (Mi Sede Social Security).
You must report income changes to the INSS within 30 days or risk repaying IMV
The Minimum Vital Income is reviewed annually and may be suspended if household income exceeds the threshold. You have a legal obligation to notify the INSS of any income or household change within 30 days. Unduly received amounts must be repaid, and late notification can trigger penalties of 10–75% of the excess.
Key 2026 figures
Unemployment benefit 2026
Retirement parameters 2026
Frequently asked questions
How much unemployment benefit will I receive in Spain in 2026?
The benefit is 70% of your regulatory base for the first 180 days, then 50% from day 181. The regulatory base is the average of your last 6 months' professional contingency contributions. Maximum and minimum amounts depend on whether you have children. The unemployment calculator gives your exact amount.
How many days of unemployment benefit do I have in Spain?
You earn 120 days of benefit for every 360 days contributed, up to a maximum of 720 days (2 years). You need a minimum of 360 days contributed in the last 6 years to qualify. With 5 years (1,800 days) of contributions, you're entitled to 600 days of benefit.
Can a self-employed person (autónomo) claim unemployment benefit in Spain?
Yes, through the cese de actividad (cessation of activity) scheme, which has been mandatory for all autónomos since 2019. The benefit is 70% of the RETA contribution base and can be claimed proportionally to months contributed. A minimum of 12 months of prior contributions is required.
At what age can I retire in Spain in 2026?
In 2026, the standard retirement age is 66 years and 8 months if you have fewer than 37 years and 3 months of contributions, or 65 years exactly if you exceed that threshold. Involuntary early retirement is available from age 63 and voluntary from age 64 years and 2 months.
How much will my pension be reduced if I retire early in Spain?
The reduction coefficient ranges from 0.50% per month (fewer than 38.5 years contributed) to 0.19% per month (more than 44.5 years). With 40 years contributed, retiring 2 years early applies 0.35%/month, resulting in a permanent reduction of approximately 8.4% on your pension.
What is the Minimum Vital Income (IMV) and who qualifies?
The IMV is a non-contributory benefit for households in extreme poverty. For a single person it covers approximately [VERIFY]/month in 2026. The amount increases with household size and the presence of children. Requirements: legal residency in Spain for at least 12 months and income below the relevant threshold. Apply via the INSS digital office.
Can I receive a widowhood pension and work at the same time in Spain?
Yes, the widowhood pension is compatible with working and with your own retirement pension. The pension is 52% of the deceased's regulatory base in most cases, or 70% if you have dependants and low income. It continues for life (unlike some other countries' systems where it stops on remarriage, though Spain did restrict it for remarried widows from 2022).