Upon reaching the end of working life, every worker wants to have a pension that allows him to live comfortably. For Social Security, which is the agency responsible for managing benefits in Spain, the amount of the retirement pension will depend on the contribution base and the total of quoted years, without leaving aside, the importance of complying with the retirement age.
This last point is important, since the method of calculating social security pensions has evolved after several reforms and in fact, continues to do so. This reform began in 2013 and from that date, two ages would coexist, one set at 65 years of age for those with long contribution races and another age that would increase every year until 2027, where it would be located in the 67 years. Right now, in 2025, it is located in the 66 years and 8 months or 65 years, if you are 38 years and three months or more quoted.
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Now, the reason why many workers aspire to have at least an average pension of 1,500 euros is, which according to the National Statistics Institute (INE), the average annual gross salary in Spain stood at 25,896.82 euros, which after retentions gives an approximate monthly salary of about 1,500 euros per month in 14 payments. That is, future pensioners will aspire to at least have an average pension of said amount or higher.
Now, obtaining this pension should be obtained a regulatory base that will be greater or less depending on the total of the year quoted.
The regulatory base to obtain a 1,500 euro pension
The amount of the retirement pension depends on the regulatory base, which makes the 100% function of the pension and the total of quoted years, which will serve to determine which percentage of that 100% corresponds. Thus, the regulatory base must be obtained first, which is calculated by dividing by 350, the contribution bases of the last 300 months (25 years). The result will be the regulatory base or what is understood as 100% of the pension.
Once the regulatory base is calculated, it is necessary to adjust the value of past contributions by applying an inflation coefficient, except for the last two years, with the aim of properly reflecting the current purchasing power.
After obtaining the regulatory base you have to know what percentage of said base corresponds to the worker. Those who have quoted at least 15 years are entitled to 50% of the regulatory base. For each additional month quoted during the next 49 months, 0.21% is added to the regulatory base. Subsequently, 0.19% is added for each of the following 209 months.
In this way, those who have quoted 36 years and six months or more will be entitled to 100% of the regulatory base or what the same, 100% of the retirement pension.
How to get a retirement pension of 1,500 euros
To get a pension of 1,500 euros per month it will depend on the regulatory base and the total quoted years. For example, if we have a regulatory base of 1,500 euros, it will be necessary to be 36 years and 6 months. In this list, you can consult what the regulatory base should be, according to the quoted years, to have a pension of 1,500 euros per month.
- With 15 years quoted, the regulatory base must be 3,000.00 euros (50.00% of the regulatory base).
- With 16 years quoted, the regulatory base must be 2,857.14 euros (52.52% of the regulatory base).
- With 17 years quoted, the regulatory base must be 2,723.30 euros (55.04% of the regulatory base).
- With 18 years quoted, the regulatory base must be 2,605.48 euros (57.56% of the regulatory base).
- With 19 years quoted, the regulatory base must be 2,493.33 euros (60.08% of the regulatory base).
- With 20 years quoted, the regulatory base must be 2,406.69 euros (62.38% of the regulatory base).
- With 21 years quoted, the regulatory base must be 2,319.66 euros (64.66% of the regulatory base).
- With 22 years quoted, the regulatory base must be 2,241.64 euros (66.94% of the regulatory base).
- With 23 years quoted, the regulatory base must be 2,165.82 euros (69.22% of the regulatory base).
- With 24 years quoted, the regulatory base must be 2,097.90 euros (71.50% of the regulatory base).
- With 25 years quoted, the regulatory base must be 2,031.15 euros (73.78% of the regulatory base).
- With 26 years quoted, the regulatory base must be 1,973.69 euros (76.06% of the regulatory base).
- With 27 years quoted, the regulatory base must be 1,912.79 euros (78.34% of the regulatory base).
- With 28 years quoted, the regulatory base must be 1,860.43 euros (80.62% of the regulatory base).
- With 29 years quoted, the regulatory base must be 1,808.82 euros (82.90% of the regulatory base).
- With 30 years quoted, the regulatory base must be 1,764.09 euros (85.18% of the regulatory base).
- With 31 years quoted, the regulatory base must be 1,713.24 euros (87.46% of the regulatory base).
- With 32 years quoted, the regulatory base must be 1,666.67 euros (89.74% of the regulatory base).
- With 33 years quoted, the regulatory base must be 1,629.84 euros (92.02% of the regulatory base).
- With 34 years quoted, the regulatory base must be 1,591.09 euros (94.30% of the regulatory base).
- With 35 years quoted, the regulatory base must be 1,558.47 euros (96.58% of the regulatory base).
- With 36 years and six months or more, the regulatory base must be 1,500.00 euros (100.00% of the regulatory base).