What is the maximum retirement pension in 2025 and requirements to collect it

In 2025, the maximum pension is set at 3,267.60 euros per monthwhich regardless of whether it is collected in 12 or 14 payments The amount may not exceed 45,746.40 euros per year. This will also affect whether only the retirement pension is collected or if several pensions are collected at the same time, unless the supplement is collected to reduce the gender gap, since it is not limited to those who receive the maximum pension.

To collect the maximum retirement pension, certain contribution requirements must be met, in addition to meeting the ordinary retirement age, which is set in 2025, at 66 years and 8 months or at 65 years, for those who have a minimum of 38 years and three months of contributions.

Regarding contributions, do not confuse 100% of the pension with the maximum pension, two terms that may seem very similar, but are completely different. 100% of the pension refers to the maximum amount of money that a working person can receive when they retire, calculated according to their regulatory base. This regulatory base is obtained by adding the last 300 contribution bases and dividing them by 350.

Instead, the maximum pension, is the maximum amount set by law to which they can collect, whether by receiving one or several contributory pensions at the same time, without being able to exceed it (unless the supplement for the gender gap in pensions is received).

Requirements to collect the maximum retirement pension

To receive the maximum retirement pension, it is necessary to meet a series of explicitly established requirements. It is not enough to reach the ordinary retirement age, since, if this age is brought forward, Social Security will apply reducing coefficients that will reduce the final amount of the pension.

Furthermore, it will be essential that the regulatory base, or 100% of the pension to which one is entitled, is above the amount of the maximum pension. For To reach that 100%, you must have contributed for at least 36 years and 6 months. If this contribution period is not reached, the regulatory base must be high enough to compensate and allow access to the maximum pension.

Depending on the years of contributions, the percentage of the regulatory base to which one is entitled is established. This percentage can range from 50%which corresponds to those who have contributed at least 15 yearsuntil the 100%which requires a minimum of 36 years and 6 months of contributions.

It is important to add that the fewer the number of years of contributions, the greater the regulatory base must be to reach the maximum pension. Even so, it must be taken into account that, in 2025, the maximum contribution base is set at 4,909.32 euros per month(equivalent to 58,911.84 euros per year).