Jubilación anticipada (early retirement, voluntary or involuntary)

Jubilación anticipada (early retirement, voluntary or involuntary) is filed with INSS — Sede electrónica + Tu Seguridad Social. With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your application for you. Estimated total cost: €100 to €100. Official tasa (government fee): No public tasa (official fee). The monthly pension is uprated each year (Ley 21/2021).

We handle your jubilación anticipada (early retirement, arts. 207-208 RDLeg 8/2015 LGSS, as amended by RDLey 2/2023). Two routes: VOLUNTARY (art. 208: up to 2 years early, at least 35 years of contributions, and the resulting pension must be above the minimum) or INVOLUNTARY, following a job loss you did not choose (art. 207: up to 4 years early, at least 33 years of contributions, 6 months registered as a jobseeker, and a cause not attributable to you). We calculate the reduction coefficients under the RDLey 2/2023 table (3-21% for each month brought forward, depending on your years of contributions), the base reguladora (the average of the last 25 years), the percentage applied to it, the maximum cap (3.267 €/month in 2026), the minimum pension for your family situation, the IRPF (income tax) withholding and the INSS procedure.

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Estimated total cost: €100 to €100
Managora's fee: €121.00 (21% VAT incl.)
Tasa (official government fee): No public tasa (official fee). The monthly pension is uprated each year (Ley 21/2021). (suplido: paid to the authority on your behalf, no VAT)
Processing time: File 3 months in advance. The INSS decides within 90 days (silencio administrativo, meaning no reply within the deadline counts as a refusal).
Where it is filed: INSS — Sede electrónica + Tu Seguridad Social ↗
What you receive: Application

Cost breakdown: Our fee 100 €. No public tasa: the monthly pension is paid by the Seguridad Social, it is not a cost to you..

Jubilación anticipada (early retirement, voluntary or involuntary): how is it filed?

1Answer the questions in the chat (about 10 minutes).
2We check the requirements for your route (voluntary under art. 208 or involuntary under art. 207).
3We calculate the estimated reduction coefficient and the expected gross pension.
4We check that the pension is above the minimum for your family situation.
5Payment of 100 € for our advice and for filing with the INSS.
6We give you the application ready to file plus a pension simulation and a timetable.

Which documents do you need?

•DNI / NIE (Spanish national ID / foreigner ID number).
•Full working-life report (sede.seg-social.gob.es).
•Official pension application form.
•If involuntary: a certificate from the SEPE proving you have been registered as a jobseeker (6 months or more).
•If involuntary: the document evidencing the involuntary job loss (dismissal, collective redundancy, court judgment).
•Libro de familia (family book) if you have dependants.
•IBAN for payment.

Legal basis and things to bear in mind

Framework: arts. 205-209 RDLeg 8/2015 LGSS, RDLey 2/2023, the 7th Transitional Provision of the LGSS and Ley 21/2021 (uprating).
Ordinary retirement age in 2026: 65 with 38 years and 3 months of contributions, or 66 years and 8 months with less. It rises to 67 from 2027 if you have less.
VOLUNTARY (art. 208): up to 2 years early, at least 35 years of contributions, 2 of them within the last 15, and a pension above the minimum.
INVOLUNTARY (art. 207): up to 4 years early, at least 33 years of contributions, 2 of them within the last 15, 6 months registered as a jobseeker, and a cause not attributable to you.
REDUCTION COEFFICIENTS (RDLey 2/2023): a monthly table, roughly 3-21% for each month brought forward, depending on your years of contributions. The more years, the smaller the reduction.
Calculation: base reguladora (the average of the last 25 years) multiplied by the percentage applied to it, multiplied by (1 minus the reduction).
Maximum cap in 2026: around 3.267 €/month (14 payments).
PERMANENT: the coefficient applies for life.
Compatible options: active retirement (art. 214, available only for ordinary retirement), flexible retirement, and partial retirement with a relief contract (art. 215).
Deferral (art. 210.2 LGSS): 4% a year, or an alternative supplement, if you put off retirement beyond the ordinary age.
Procedure: apply 3 months in advance at sede.seg-social.gob.es. A decision within 90 days; no reply means the application is refused.
Natural connections: jubilacion_ordinaria, jubilacion_parcial, convenio_especial_tgss, prestacion_desempleo, complemento_minimos.

Jubilación anticipada (early retirement, voluntary or involuntary): frequently asked questions

Jubilación anticipada (early retirement, voluntary or involuntary): how much does it cost?

The estimated total cost (our fee + official tasas and taxes) is €100 to €100: Our fee 100 €. No public tasa: the monthly pension is paid by the Seguridad Social, it is not a cost to you.. Managora's fee is €121.00, 21% VAT included (€100.00 net + €21.00 VAT). The official tasa charged by the authority (a suplido paid on your behalf, no VAT) is: No public tasa (official fee). The monthly pension is uprated each year (Ley 21/2021)..

Jubilación anticipada (early retirement, voluntary or involuntary): how long does it take?

File 3 months in advance. The INSS decides within 90 days (silencio administrativo, meaning no reply within the deadline counts as a refusal).

Jubilación anticipada (early retirement, voluntary or involuntary): which documents do I need?

You need to have to hand: DNI / NIE (Spanish national ID / foreigner ID number)., Full working-life report (sede.seg-social.gob.es)., Official pension application form., If involuntary: a certificate from the SEPE proving you have been registered as a jobseeker (6 months or more)., If involuntary: the document evidencing the involuntary job loss (dismissal, collective redundancy, court judgment)., Libro de familia (family book) if you have dependants., IBAN for payment.. You do not upload them here: we collect the details through the guided chat.

Who files the procedure?

Managora files it in your name with INSS — Sede electrónica + Tu Seguridad Social. You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.

Can it be done online?

Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.

Related procedures

Based on the legislation in force and on the official site of the competent authority: INSS — Sede electrónica + Tu Seguridad Social ↗.

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