The Spanish self-employed retirement system is based on RETA (Regimen Especial de Trabajadores Autonomos), with a legal retirement age of 67 and a new real-income contribution system since 2023.
← Back to retirement hub67 years
Legal retirement age
~30.6%
Total contribution rate
EUR 80/month
Tarifa plana (first 12 months)
~EUR 3,175/month
Maximum pension (2024)
All self-employed workers in Spain must register with RETA, the special Social Security scheme for autonomos.
RETA (Regimen Especial de Trabajadores Autonomos) is the mandatory social security scheme for all self-employed workers in Spain. It covers retirement (jubilacion), temporary disability, work accidents and family benefits. Registration is mandatory from the first day of activity.
Since 2023, Spain has implemented a progressive contribution system based on the actual net income (rendimientos netos) of autonomos. The system includes 15 brackets, with contributions ranging from approximately EUR 230 to EUR 500 per month depending on income level. The transition period runs from 2023 to 2025.
The 15 contribution brackets are determined by monthly net income. The minimum base is EUR 950.98/month and the maximum base is EUR 4,720.50/month (2024). The overall rate is approximately 30.6% (28.3% common contingencies + 2.3% other).
| # | Net income (EUR/month) | Contribution base (EUR/month) | Approx. payment (EUR/month) |
|---|---|---|---|
| 1 | < 670 | 950,98 | ~291 |
| 2 | 670 - 900 | 960,78 | ~294 |
| 3 | 900 - 1 166,70 | 960,78 | ~294 |
| 4 | 1 166,70 - 1 300 | 1 013,07 | ~310 |
| 5 | 1 300 - 1 500 | 1 029,41 | ~315 |
| 6 | 1 500 - 1 700 | 1 045,75 | ~320 |
| 7 | 1 700 - 1 850 | 1 062,09 | ~325 |
| 8 | 1 850 - 2 030 | 1 078,43 | ~330 |
| 9 | 2 030 - 2 330 | 1 111,11 | ~340 |
| 10 | 2 330 - 2 760 | 1 176,47 | ~360 |
| 11 | 2 760 - 3 190 | 1 241,83 | ~380 |
| 12 | 3 190 - 3 620 | 1 307,19 | ~400 |
| 13 | 3 620 - 4 050 | 1 454,25 | ~445 |
| 14 | 4 050 - 6 000 | 1 601,61 | ~490 |
| 15 | > 6 000 | 1 633,99 | ~500 |
The tarifa plana is a contribution reduction for new self-employed workers in Spain.
Since 2023, new autonomos benefit from a reduced contribution of EUR 80 per month for the first 12 months of activity, regardless of their income level.
This reduction can be extended for an additional 12 months if net income remains below the minimum interprofessional salary (SMI).
Accurately assess your net income to choose the optimal contribution bracket. Overestimating or underestimating can significantly impact your future pension or current contributions.
RETA pensions are often modest. A private pension plan (plan de pensiones) or PIAS (Plan Individual de Ahorro Sistematico) allows you to supplement your retirement income with tax advantages.
If you are starting out, register for the tarifa plana from day one. EUR 80/month for 12 months represents considerable savings compared to the standard contribution.
Early retirement (jubilacion anticipada) is possible from age 63, but with penalties. Calculate the financial impact before making this decision. Partial retirement is very limited for autonomos.
BoostPro AI helps you simulate contributions, estimate your pension and plan your retirement in Spain.
Start a free diagnosisAn autonomo in Spain contributes approximately 30.6% of their contribution base to RETA. With the new 2023 system, monthly contributions range from EUR 230 to EUR 500 depending on the real net income bracket. The minimum base is EUR 950.98/month and the maximum base is EUR 4,720.50/month.
The tarifa plana is a contribution reduction for new self-employed workers in Spain. Since 2023, it allows contributing only EUR 80/month for the first 12 months, regardless of income level. It can be extended by 12 months if income remains below the SMI.
The legal retirement age in Spain is 67, or 65 if the autonomo has at least 38 years and 6 months of contributions. Early retirement is possible from age 63, with penalties on the pension amount.
Since 2023, autonomos contribute based on their actual net income, divided into 15 brackets. Each bracket corresponds to a contribution base and monthly amount. The system is transitioning until 2025, with progressive base adjustments.
The minimum contributive pension for an autonomo in Spain is approximately EUR 721/month (without dependent spouse, 2024). The maximum pension is capped at approximately EUR 3,175/month. The amount depends on years of contributions and the average base.
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