Club Pensión

Discover how much you'll receive, how much you could receive, and what you can do today to improve your retirement pension. Club Pensión is the retirement simulator and pension calculator that brings together all your Social Security information on a single screen, clear and up-to-date with your data.

Calculate your retirement in 1 minute. Answer a few questions about your age and years of contributions and instantly get your free diagnosis: an exact countdown to your retirement age and your estimated pension based on your actual contributions. No complicated registrations or manual calculations.

A complete retirement pension simulator.

• Countdown to the second until the day you can retire.

• Your estimated pension and your optimal achievable pension.

• Simulate early retirement, partial retirement, active retirement, and flexible retirement.

• Understand how your retirement pension is calculated: reduction coefficients, penalties for early retirement, percentages based on years of contributions, and tables by year of birth.

A step-by-step plan to earn more

It's not enough to simply calculate your retirement income: the app suggests actions tailored to your needs and the impact in euros/month of each one. Mark what you've done and see your estimated pension increase instantly.

Only the news that affects you

Daily summaries from Google, the Official State Gazette (BOE), and Social Security: changes to retirement in Spain in 2026, pension increases in 2026, maximum and minimum retirement pensions, retirement ages… filtered and in clear language.

A pension expert, always at your fingertips

The AI-powered retirement assistant answers your questions 24/7: scheduling and applying for retirement, income tax on retirement, compatibility of widow's pension and retirement benefits, subsidy for those over 52, civil service pensions, reversible retirement, the gender pay gap, and much more.

IMPORTANT NOTICE: Club Pensión is a private and independent application. This is NOT an official application and is NOT affiliated with, associated with, authorized by, or endorsed by the Social Security Administration, the Official State Gazette (BOE), the Civil Service Pension Scheme, the State Public Employment Service (SEPE), or any other public body. The information provided is for guidance and informational purposes only and does not replace professional or official advice. Always verify information with official sources.

WHAT YOU WILL FIND:

• Filtered and summarized news about pensions and retirement, each with a link to its original publication.

• An AI-powered guidance assistant (not official advice).

• Actionable tasks to help you improve your future pension.

GOVERNMENT INFORMATION SOURCES (official links):

• Official State Gazette (BOE): https://www.boe.es

• Social Security: https://www.seg-social.es

• Social Security Electronic Office: https://sede.seg-social.gob.es

OTHER SOURCES (non-governmental):

• Spanish press aggregated via Google News: https://news.google.com

Each news item includes a link to the original publication.

The app's calculations and estimates are based on Spanish public pension regulations published on these official websites and are for guidance purposes only.