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Solicitud de pensión de jubilación (retirement pension application) (INSS)

Solicitud de pensión de jubilación (retirement pension application) (INSS) is filed with Instituto Nacional de la Seguridad Social (INSS) - 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: €182.

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We process your retirement pension application before the INSS (National Social Security Institute). It covers 5 modalities: ordinary, voluntary early retirement (up to 2 years early), involuntary early retirement (up to 4 years early), partial retirement with a contrato de relevo (handover contract), and active retirement compatible with work. We calculate your estimated pension using the contribution scale and, if applicable, the reduction coefficient for early retirement. This is a working estimate: the final amount is officially recognised by the INSS in its resolution.

Practical guide: The INSS retirement pension: ordinary and early retirement. Requirements, deadlines and the steps, explained.

What we charge you
€182
Managora's fee
€182.00 (21% VAT incl.)
Tasa (official government fee)
No tasa payable
Processing time
The application can be submitted up to 3 months before the planned effective date. It can also be submitted afterwards, with a maximum backdating of 3 months from the application date. The INSS has a maximum deadline of 90 days to resolve. The date of the first payment is set by the INSS in its resolution.
Where it is filed
Instituto Nacional de la Seguridad Social (INSS) - Tu Seguridad Social ↗
What you receive
Application

Cost breakdown: Our fee €182.00 (21% VAT incl.). The INSS does not charge any tasa (official fee) for the retirement pension application: there is no payment to the Administration. If you need us to obtain your vida laboral (work history report), there is an additional 9 € management fee (the Seguridad Social issues it free of charge)..

Solicitud de pensión de jubilación (retirement pension application) (INSS): how is it filed?

  1. 1Answer the chat questions (around 7 minutes).
  2. 2We calculate your estimated pension according to the contribution scale + early retirement reduction coefficient if applicable.
  3. 3Payment of €182.00 (21% VAT incl.).
  4. 4Sign the mandate from your mobile phone.
  5. 5Application submitted on the sede.seg-social.gob.es (online portal) by our manager.
  6. 6You receive proof of submission, a full copy of the application, the signed mandate, and the invoice. The INSS has a maximum deadline of 90 days to resolve and will notify you of its decision; we follow up on the case file.

Which documents do you need?

  • •Updated vida laboral (work history report). The Seguridad Social issues it free of charge; if you prefer us to obtain it for you, there is a 9 € management fee.
  • •If involuntary early retirement: company certificate stating the reason for termination, dismissal letter / ERE (redundancy procedure) agreement.
  • •If you have dependents: libro de familia (family record book), certificado de convivencia (certificate of cohabitation), income declaration of the spouse.
  • •If partial retirement: contrato de relevo (handover contract) signed by the company and the replacement worker.

Prerequisites we also handle for you

This procedure needs documents that we also obtain. If you are missing any, ask us for it here and come back once you have it:

Legal basis and things to bear in mind

  • Legal age in 2026 (transitional provision 7.ª LGSS): 66 years and 10 months if you have less than 38 years and 3 months of contributions, or 65 years if you have 38 years and 3 months or more. In 2027, the scale reaches its limit: 67 years, or 65 years with 38 years and 6 months of contributions.
  • Base reguladora (regulatory base): since 1 January 2026 TWO calculations coexist and the INSS automatically applies the more favourable one, and will do so until 2040. The new one, from transitional provision 40.ª LGSS, divides by 352,33 the sum of the 302 highest contribution bases of the 304 months before the month prior to the qualifying event: the two worst are discarded. The old one, still alive through transitional provision 4.ª.7, is the last 300 months divided by 350, with no discards. The new scale rises every year until 2037. If you have months without contributions, they are filled with minimum bases (integration of gaps).
  • Cap on pensions arising in 2026: €3,359.60 a month, €47,034.40 a year (art. 3.1 of Real Decreto 241/2026). The amount is updated every year, so if your calculation comes close to the cap we will confirm the figure applicable to your effective date before submitting.
  • The reduction coefficient for early retirement is DEFINITIVE: it is not recovered upon reaching the legal age. And it is not a percentage per month: arts. 207.2 and 208.2 LGSS set out two tables with four contribution brackets and one row per month of anticipation. Retiring two years early with less than 38 years and 6 months of contributions costs 21% of the pension under the voluntary route; with 44 years and 6 months or more, 13%. Contributing longer does not only raise the pension: it makes retiring early cheaper.
  • Active retirement: Royal Decree-Law 11/2024 changed the rules with effect from 1 April 2025. The percentage of pension compatible with work is no longer a fixed 50%: it grows the longer you delay your retirement beyond the ordinary age and increases if you are self-employed with at least one hired worker. Anyone who was already in active retirement before that date retains their previous regime. We calculate your specific percentage with your details.

Solicitud de pensión de jubilación (retirement pension application) (INSS): frequently asked questions

Solicitud de pensión de jubilación (retirement pension application) (INSS): how much does it cost?

We charge you €182: our fee plus, where applicable, the fixed official tasa we advance. Our fee €182.00 (21% VAT incl.). The INSS does not charge any tasa (official fee) for the retirement pension application: there is no payment to the Administration. If you need us to obtain your vida laboral (work history report), there is an additional 9 € management fee (the Seguridad Social issues it free of charge).. Managora's fee is €182.00, 21% VAT included (€150.41 net + €31.59 VAT). This procedure carries no official tasa.

Solicitud de pensión de jubilación (retirement pension application) (INSS): how long does it take?

The application can be submitted up to 3 months before the planned effective date. It can also be submitted afterwards, with a maximum backdating of 3 months from the application date. The INSS has a maximum deadline of 90 days to resolve. The date of the first payment is set by the INSS in its resolution.

Solicitud de pensión de jubilación (retirement pension application) (INSS): which documents do I need?

You need to have to hand: Updated vida laboral (work history report). The Seguridad Social issues it free of charge; if you prefer us to obtain it for you, there is a 9 € management fee., If involuntary early retirement: company certificate stating the reason for termination, dismissal letter / ERE (redundancy procedure) agreement., If you have dependents: libro de familia (family record book), certificado de convivencia (certificate of cohabitation), income declaration of the spouse., If partial retirement: contrato de relevo (handover contract) signed by the company and the replacement worker.. 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 Instituto Nacional de la Seguridad Social (INSS) - 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: Instituto Nacional de la Seguridad Social (INSS) - Tu Seguridad Social ↗.

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