How to calculate the regulatory base on which the amount of your retirement pension depends

The regulatory base of the worker is a reference through which multiple benefits and pensions to which the worker may be entitled are determined. In each case, different variables and quoted periods are taken into account, so you have to go to each benefit to find out how it works. The most common of all is retirement.

Thus, it is also necessary to calculate what the worker’s regulatory base is to know what the amount of his retirement pension will be. For these benefits, Social Security takes into account the sum of the contribution bases of the last 25 years (300 months) and then divides them by 350. The result is the regulatory base.

Subsequently, and , the worker will be entitled to a certain percentage of the regulatory base based on his previous contribution: he needs 15 years of contributions for a minimum of 50% of the regulatory base and, in total, he needs 36 years of contributions to be able to aspire 100% of the regulatory base, which is known as 100% of the pension.

For all this it is key to know what is the regulatory base to which we are entitled. Sometimes, calculating can be complicated, since you have to consider periods that are already distant in time, 25 years ahead. Due to this, Social Security provides a calculation tool for interested workers, without the need to resort to access methods such as the digital certificate () or Cl@ve ().

The citizen will simply be able to access the ‘Autocalculation of the Regulatory Base’ service, with which anyone can “make an approximate calculation of the amount of the regulatory base of the future retirement pension”, explains the Social Security itself.

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How the autocalculation of the regulatory base works

The operation is simple. In the first place, the worker must include his name and surname, as well as the date on which he wishes to retire, entering the day, month and year in a calendar provided for this purpose. In addition, he must indicate the law that regulates his access to retirement.

With these details filled in, you can start entering your contribution bases for the last 300 months. The system provides the citizen with a detailed table, a kind of calendar in which he can enter the data corresponding to each month. It also provides you with options to streamline the process, such as filling in different periods with the same base at the same time or entering minimum or maximum contribution bases for each period.

In the event that there are periods without contributing, the citizen must know that the system does not automatically integrate the gaps (which allows these periods without contributing), so they must personally fill in those months to adjust more closely to the reality of their situation. regulatory basis.

When all the bases have been filled in, the system will display a table with all of them and the effect of inflation applied to contribution bases from the two years prior to retirement. It will do so based on an update index that, applied to the price base, will give rise to the updated price base. With these bases, the regulatory base of the worker’s retirement pension will be calculated.

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Social Security explains that, when calculating said base according to the information entered by the user himself, its calculation is only an approximation and “in no case can the result obtained generate rights or obligations”. Or what is the same, that it is not binding. Yes, it will serve, however, to have an idea of ​​what we can collect in the future when we retire.

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