{"id":115,"date":"2026-08-06T12:49:21","date_gmt":"2026-08-06T10:49:21","guid":{"rendered":"https:\/\/islapasion.net\/senus\/?p=115"},"modified":"2026-08-06T12:49:21","modified_gmt":"2026-08-06T10:49:21","slug":"con-solo-15-anos-cotizados-tendras-derecho-a-la-mitad-de-tu-pension-asi-funciona-el-minimo-de-la-base-reguladora","status":"publish","type":"post","link":"https:\/\/islapasion.net\/senus\/con-solo-15-anos-cotizados-tendras-derecho-a-la-mitad-de-tu-pension-asi-funciona-el-minimo-de-la-base-reguladora\/","title":{"rendered":"Con solo 15 a\u00f1os cotizados tendr\u00e1s derecho a la mitad de tu pensi\u00f3n: as\u00ed funciona el m\u00ednimo de la base reguladora"},"content":{"rendered":"<p>Para tener derecho a una pensi\u00f3n de jubilaci\u00f3n contributiva en Espa\u00f1a hay que cumplir un m\u00ednimo de cotizaci\u00f3n. Con <strong>15 a\u00f1os cotizados<\/strong> se accede a la pensi\u00f3n, pero \u00fanicamente al 50% de la base reguladora. A partir de ah\u00ed, cada a\u00f1o adicional va sumando porcentaje hasta llegar al 100%.<\/p>\n<h2>El m\u00ednimo de 15 a\u00f1os<\/h2>\n<p>La ley exige acreditar al menos 15 a\u00f1os cotizados, de los cuales dos deben estar comprendidos dentro de los quince a\u00f1os anteriores al momento de jubilarse. Cumplido ese requisito, el trabajador tiene derecho a la mitad de su base reguladora. Es el punto de partida, no el m\u00e1ximo: quien se quede en esos 15 a\u00f1os cobrar\u00e1 una pensi\u00f3n notablemente inferior a la de quien complete una carrera larga.<\/p>\n<p>Los expertos advierten, adem\u00e1s, de que el n\u00famero de a\u00f1os necesarios para alcanzar el 100% aumenta cada ejercicio con la reforma en curso. Lo que hoy son 15 a\u00f1os para el m\u00ednimo y en torno a 37 o 38 para el m\u00e1ximo seguir\u00e1 endureci\u00e9ndose en los pr\u00f3ximos a\u00f1os, por lo que planificar la vida laboral es m\u00e1s importante que nunca.<\/p>\n<h2>C\u00f3mo crece el porcentaje<\/h2>\n<p>Desde ese 50% inicial, cada mes adicional cotizado suma un peque\u00f1o porcentaje a la escala, con m\u00e1s peso en los primeros tramos. Por eso, dos personas con id\u00e9ntica base reguladora pueden acabar cobrando pensiones muy diferentes seg\u00fan los a\u00f1os que hayan cotizado. Revisar la vida laboral y detectar lagunas es clave para no perder cuant\u00eda.<\/p>\n<p>Si quieres saber c\u00f3mo cada mes influye en el c\u00e1lculo, no te pierdas nuestro art\u00edculo sobre <a href=\"https:\/\/islapasion.net\/senus\/\">c\u00f3mo cada mes cotizado suma a tu pensi\u00f3n<\/a>, y tambi\u00e9n el an\u00e1lisis sobre <a href=\"https:\/\/islapasion.net\/senus\/los-nacidos-entre-1960-y-1970-podran-cobrar-el-100-de-su-pension-desde-2027-pero-la-seguridad-social-les-exigira-estos-anos-cotizados\/\">los a\u00f1os que exigir\u00e1 la Seguridad Social desde 2027<\/a>.<\/p>\n<h2>Conviene simular antes de jubilarse<\/h2>\n<p>Antes de fijar la fecha de retiro, lo recomendable es simular la pensi\u00f3n con las bases reales de cotizaci\u00f3n. As\u00ed se sabe qu\u00e9 porcentaje se ha alcanzado y si merece la pena prolongar unos meses la vida laboral para mejorar la cuant\u00eda que se cobrar\u00e1 de por vida.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Para tener derecho a una pensi\u00f3n de jubilaci\u00f3n contributiva en Espa\u00f1a hay que cumplir un m\u00ednimo de cotizaci\u00f3n. Con 15 a\u00f1os cotizados se accede a la pensi\u00f3n, pero \u00fanicamente al 50% de la base reguladora. A partir de ah\u00ed, cada a\u00f1o adicional va sumando porcentaje hasta llegar al 100%. El m\u00ednimo de 15 a\u00f1os La &#8230; <a title=\"Con solo 15 a\u00f1os cotizados tendr\u00e1s derecho a la mitad de tu pensi\u00f3n: as\u00ed funciona el m\u00ednimo de la base reguladora\" class=\"read-more\" href=\"https:\/\/islapasion.net\/senus\/con-solo-15-anos-cotizados-tendras-derecho-a-la-mitad-de-tu-pension-asi-funciona-el-minimo-de-la-base-reguladora\/\" aria-label=\"Leer m\u00e1s sobre Con solo 15 a\u00f1os cotizados tendr\u00e1s derecho a la mitad de tu pensi\u00f3n: as\u00ed funciona el m\u00ednimo de la base reguladora\">Leer m\u00e1s<\/a><\/p>\n","protected":false},"author":1,"featured_media":184,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Con solo 15 a\u00f1os cotizados tendr\u00e1s derecho a la mitad de tu pensi\u00f3n: as\u00ed funciona el m\u00ednimo de la base reguladora<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/islapasion.net\/senus\/con-solo-15-anos-cotizados-tendras-derecho-a-la-mitad-de-tu-pension-asi-funciona-el-minimo-de-la-base-reguladora\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Con solo 15 a\u00f1os cotizados tendr\u00e1s derecho a la mitad de tu pensi\u00f3n: as\u00ed funciona el m\u00ednimo de la base reguladora\" \/>\n<meta property=\"og:description\" content=\"Para tener derecho a una pensi\u00f3n de jubilaci\u00f3n contributiva en Espa\u00f1a hay que cumplir un m\u00ednimo de cotizaci\u00f3n. Con 15 a\u00f1os cotizados se accede a la pensi\u00f3n, pero \u00fanicamente al 50% de la base reguladora. A partir de ah\u00ed, cada a\u00f1o adicional va sumando porcentaje hasta llegar al 100%. El m\u00ednimo de 15 a\u00f1os La ... 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