Retirement age in Spain: two ages, decided by your contribution record

The Seguridad Social's pension page states the frame: from 1 January 2013, access age depends on your age and the contributions accumulated across your working life, requiring you to have reached 67 years, or 65 years when 38 years and 6 months of contributions are accredited — applied gradually through a published transition table.

Source: Seguridad Social — Jubilación ordinaria, edad (INSS), read 10 September 2026.

From the official gradual-application table:

• 2025 — 65 with 38 years 3 months or more of contributions; otherwise 66 years 8 months.
• 2026 — 65 with 38 years 3 months or more; otherwise 66 years 10 months.
• From 2027 — 65 with 38 years 6 months or more; otherwise 67.

The table is the whole story for movers arriving mid-career: the question is never just "how old", it's "how many contributed years can you prove" — and for years worked elsewhere in the EU, the aggregation rules in our multi-country pension guide decide what counts.

Source: Seguridad Social — cuadro de aplicación gradual de la edad de jubilación, read 10 September 2026.

This is the ordinary-age table, descriptively. Early-retirement routes with reducing coefficients, special regimes, and partial retirement all exist with their own rules on the same official pages — and whether retiring to Spain makes financial sense involves tax and pension questions this page deliberately doesn't touch. What we do cover: the EU pension aggregation mechanics, and the healthcare file every retiree's visa needs — mapped in our retiree guides, with the exact arrangement confirmed on your quote call before you rely on it.

Source: Seguridad Social — Jubilación ordinaria, read 10 September 2026.