# Retirement pension: calculation and application

Source: https://iberfacil.es/en/services/retirement-pension
Markdown: https://iberfacil.es/en/services/retirement-pension.md

**In short:** Retirement pension: calculation and application. We calculate your pension on your real contribution bases, compare retirement dates and file the application. We handle it ourselves from start to finish, with professionals from our network, with a written quote before we start and your case visible in your client area. We ask for the contribution report, any periods abroad and your current registration status.

## Retiring at the best possible moment

 First consultation, viability study and quote:  **Free until 5 January 2027**  Tell us about your case

We calculate your pension on your real contribution bases, compare retirement dates and file the application.

 First consultation, viability study and quote:  **Free until 5 January 2027**  [Tell us about your case](https://iberfacil.es/en/contact)

### The service at a glance

#### What is included

- Pension calculation on your real contribution bases
- Comparison of at least two retirement dates
- Preparing and filing the application

#### Price

Closed price

€211.75 VAT included

€175.00 + €36.75 VAT (21%)

 Price valid until November 22, 2026.

Prices include VAT. Public fees are separate, in your name and without a mark-up.

### WHAT IS INCLUDED AND WHAT IS NOT PROMISED

Bringing retirement forward or back by a few months can change the pension for life. It is worth calculating it on your real bases before signing anything, not after.

What it includes: pension calculation on your real contribution bases; comparison of at least two retirement dates; preparing and filing the application. What it does not include: it does not include claiming uncredited periods or international pension agreements, which are quoted separately.

#### DOCUMENTS YOU WILL NEED

- Employment history and contribution base report.
- ID document and bank details.
- Children's documents where the gender gap supplement applies.

#### INDICATIVE TIMING

We answer your enquiry within 1 working day and send the written quote within 2 working days.

Once your documents are complete, we prepare the file between 3 and 8 working days.

The social security institute (INSS) has 90 days to decide on a retirement pension and usually decides before the effective date if the application is filed far enough in advance.

See [the pricing page](https://iberfacil.es/en/pricing) for how we charge this kind of matter.

### How it works

1. **WE IDENTIFY THE EXACT PROCEDURE** With your employment record and contribution bases we calculate the pension you would get today and on at least two alternative dates.
2. **DOCUMENT LIST AND QUOTE** We ask for the contribution report, any periods abroad and your current registration status. Agreed price for the calculation and the application.
3. **FILING AND RECEIPT** We file the retirement application with the social security institute on the chosen date with everything they require.
4. **TRACKING AND CORRECTIONS** We check the decision against your calculation: if the amount does not match, we prepare the claim.

#### What to have at hand

- Employment history and contribution base report
- ID document and bank details
- Children's documents where the gender gap supplement applies

### Frequently asked questions

IS EARLY RETIREMENT BETTER FOR ME?

It depends on the reduction coefficient and the years you have left. We calculate it with numbers before you decide.

I WORKED OUTSIDE SPAIN.

Those periods may count under a treaty. Tell us, because it changes the calculation and the procedure.

CAN I KEEP WORKING?

There are compatible arrangements. We explain which ones and their effect on the pension.

### RELATED SERVICES

People who come for “Retirement pension: calculation and application” often need one of these Public administration procedures too. If your case mixes several, it goes in a single file with a single quote.

- [Employment history and social security certificates](https://iberfacil.es/en/services/employment-history)
- [Social security benefits](https://iberfacil.es/en/services/social-security-benefits)
- [Permanent disability benefit](https://iberfacil.es/en/services/permanent-disability)
- [Self-employed registration and deregistration](https://iberfacil.es/en/services/self-employed-registration)

[See everything we do in Public administration](https://iberfacil.es/en/services/public-administration)

 This content is informative and educational: it is not legal advice and does not replace consulting a professional. If you need advice on your own case, [get in touch](https://iberfacil.es/en/contact).