For retire at 63 years in Spain and charge the retirement tax pension the Social security It allows it as long as it is through voluntary or involuntary early retirement. To access this retirement age, it is mandatory to meet the contribution requirements established by Social Security.
In 2025, the ordinary retirement age is 66 years and 8 months, as long as they have at least 15 years quoted, of which at least two are within the last 2 years. Those who are at least 38 years and three months quoted to Social Security may also retire at 65. It must be taken into account that this age is increasing every year until 2027, as established by Law 27/2011.
Knowing that ordinary maximum age is set at 65, to be able to retire with 63 years, it is only possible through voluntary or involuntary early retirement. Now, when making an advance on age and being able to enjoy before the pension, social security will ask to meet some requirements in addition to taking into account that the amount of the pension will be reduced by the application of reducing coefficients, which will be greater or minors depending on the total of quoted years and the months of advance.
Requirements to retire with 63 years
It is possible retire through early, voluntary and involuntary retirement. For jVoluntary anticipated ubilationwhich allows to advance up to 24 months (2 years) the ordinary age of retirement will be necessary . In addition, the resulting pension after applying the Social Security calculation method must be higher than the corresponding minimum pension according to the family situation at 65.
Now, although we have said that Social Security requires having listed at least 35 years to access voluntary early retirement, To retire with 63 years it will be necessary to be 38 years and three months quotedat least for this 2025. This is so, since you have to make the maximum advance that is 24 months, so it is necessary to have the necessary contributions to be able to retire at 65 and thus apply the maximum advance of 24 months.
| Year | Quoted periods | Retirement age |
|---|---|---|
| 2025 | 38 years and 3 months or more | 63 years |
| Less than 38 years and 3 months | 64 years and 8 months | |
| 2026 | 38 years and 3 months or more | 63 years |
| Less than 38 years and 3 months | 64 years and 10 months | |
| From 2027 | 38 years and 6 months or more | 63 years |
| Less than 38 years and 6 months | 65 years |
For retire at age 63 through involuntary early retirementwhich allows to withdraw up to four years (48 months) before the ordinary age, Social Security requires having quoted a minimum of 33 years to Social Security, in addition to the extinguction of the employment contract is a consequence of a circumstance outside the will of the worker.
| Year | Quoted periods | Retirement age |
|---|---|---|
| 2025 | 38 years and 3 months or more | 61 years |
| Less than 38 years and 3 months | 62 years and 8 months | |
| 2026 | 38 years and 3 months or more | 61 years |
| Less than 38 years and 3 months | 62 years and 10 months | |
| From 2027 | 38 years and 6 months or more | 61 years |
| Less than 38 years and 6 months | 63 years |
How your pension is reduced by retirement at 63 years
Early retirement always involves a reduction in the amount of the pension, whether it is voluntary and involuntary. In the case of retirement at 63 voluntarily, the cuts will be the following:
- With less than 38 years and six months quoted, the cut on the amount will be 21%.
- Between 38 years and six months and 41 years and six months quoted, the reduction will be 19%.
- Between 41 years and six months and 44 years and six months quoted 17%.
- With more than 44 years and six months quoted, the reduction will be 13%.
In the case of involuntary early retirement, penalties are:
- With less than 38 years and six months quoted: 30% cut if the advance is four years, 22.50% if it is three, 15% if it is two, and 5.50% if it is one year.
- Between 38 years and six months and 41 years and six months quoted: 28% cut if the advance is four years, 21% if it is three, 14% if it is two, and 5.25% if it is one year .
- Between 41 years and six months and 44 years and six months quoted: 26% cut if the advance is four years, 19.50% if it is three, 13% if it is two, and 5% if it is one year .
- With more than 44 years and six months quoted: 24% cut if retirement occurs with four years of advance, 18% if it is with three, 12% with two, and 4.75% with one year.
In the case of involuntary anticipated retirement, the cuts are variable, since depending on the protized years the advance may be 2 years or 3 years and 8 months.