Modelo 345 : Pension and social welfare plans
Modelo 345 : Pension and social welfare plans is filed with Agencia Tributaria — modelo 345. 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: €19 to €19.
We submit your modelo 345 (annual informative declaration of pension plans, insured pension plans, social welfare mutual societies, PPSE and dependency insurance) to the AEAT (Spanish Tax Agency). Each participant uses the information to reduce their IRPF taxable base (art. 51 LIRPF). We validate that contributions do not exceed the legal limits (1.500 € individual + 8.500 € employment since 2022) and that they reconcile correctly with the total declared.
- Estimated total cost
- €19 to €19
- Managora's fee
- €22.99 (21% VAT incl.)
- Tasa (official government fee)
- No tasa payable
- Processing time
- 1 to 31 January of the year following the tax year.
- Where it is filed
- Agencia Tributaria — modelo 345 ↗
- What you receive
- Application
Cost breakdown: Our fee 19 €, no tasa. It is an annual informative declaration of pension plans and does not involve any amount to be paid..
Modelo 345 : Pension and social welfare plans: how is it filed?
- 1Answer the chat questions (~10 minutes).
- 2We validate that contributions do not exceed the legal limits and reconcile with the total declared.
- 3Payment of 19 €.
- 4Sign the mandate from your mobile.
- 5We submit the modelo 345 electronically to the AEAT (Spanish Tax Agency).
- 6You receive the stamped copy with a CSV. Each participant uses the information to reduce their IRPF taxable base.
Which documents do you need?
- •List of participants with NIF, contributions for the year and benefits received.
- •Pension plan agreement / PPA contract / PPSE certification.
- •For employment plans: collective agreement or plan rules governing the company contribution.
Legal basis and things to bear in mind
- Deadline: 1 to 31 January of the year following the tax year. No extension.
- Informative in nature: NO tax amount is paid.
- Limits under art. 51 LIRPF (in force since 2022): deductible individual contribution 1.500 €/year; employment plan +8.500 €/year additional, scaled according to the company contribution; combined max. 10.000 €/year.
- Spouse without earnings: +1.000 €/year additional.
- Historical: before 2021 the individual limit was 8.000 €; in 2021 it was 2.000 €; since 2022 it is 1.500 € (Ley 22/2021).
- Obligated parties: pension fund managers, pension plan sponsors, PPA and PPSE insurers, social welfare mutual societies.
- Penalty under art. 198 LGT: 20 €/omitted item (min. 300 €, max. 20.000 €).
Modelo 345 : Pension and social welfare plans: frequently asked questions
Modelo 345 : Pension and social welfare plans: how much does it cost?
The estimated total cost (our fee + official tasas and taxes) is €19 to €19: Our fee 19 €, no tasa. It is an annual informative declaration of pension plans and does not involve any amount to be paid.. Managora's fee is €22.99, 21% VAT included (€19.00 net + €3.99 VAT). This procedure carries no official tasa.
Modelo 345 : Pension and social welfare plans: how long does it take?
1 to 31 January of the year following the tax year.
Modelo 345 : Pension and social welfare plans: which documents do I need?
You need to have to hand: List of participants with NIF, contributions for the year and benefits received., Pension plan agreement / PPA contract / PPSE certification., For employment plans: collective agreement or plan rules governing the company contribution.. 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 Agencia Tributaria — modelo 345. 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
- Registering as self-employed (Hacienda, the Spanish tax authority, and Seguridad Social)
- Baja como autónomo (Hacienda + RETA) (deregistration as a self-employed worker)
- Deferral of a Seguridad Social (Social Security) debt (LGSS art. 23 plus RD 1415/2004)
- Deferral or instalment plan for a debt with the AEAT (Spanish Tax Agency) (art. 65 LGT)
- Application for a refund of amounts wrongly paid (devolución de ingresos indebidos) (LGT art. 221 + RD 520/2005)
- Tarifa Plana for the self-employed: application for the reduced flat-rate contribution
Based on the legislation in force and on the official site of the competent authority: Agencia Tributaria — modelo 345 ↗.
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