Pension struggle in Spain: Self -employed people have to worry about their money!

In Spain there are significant differences in pension benefits between self -employed and employees. According to a report by Mallorca Services , the average pension for the self-employed in 2025 is 993.82 euros gross per month, while retired employees on average 1,651.54 euros received per month. This means a difference of 657.72 euros per month, which adds to over 9,200 euros annually.

The reason for this difference is the different types of social security contributions that pay the self -employed. In the past, many of them chose the minimum assessment basis for their contributions, which leads to lower monthly payments and ultimately negatively affects the pension amount. A new system has been in effect since January 2023 that enables the self -employed to pay contributions based on their actual earnings. However, experts warn that many self -employed people are often not aware of the long -term consequences of their social security and that the problem is reinforced by lack of financial planning and knowledge about retirement provision. However, the government is trying to raise awareness of the importance of personal pensions through information campaigns and reforms.

changes in the statutory pension insurance

In Germany, too, there are changes in the statutory pension insurance from January 2025. As the Deutsche Rentenversicherung , the contribution rate remains stable at 18.6 percent as a result is the case. The additional earnings limits for pensions due to disability are also increasing: for a full disability, the annual limit is around 19,661 euros, while the minimum limit for a partial disability increases at around 39,322 euros.

In addition, the regular age limit for the regular age pension is increased to 67 years by 2031. The age of 1960 reached the age limit at 66 years and 4 months, while the age limit is 67 years from the year 1964. The age limit for a discount -free pension for long -term insured persons also increases from 63 to 65 years. In addition, the mini-job limit rises from 538 euros to 556 euros, while the upper limit for midijobs remains at 2,000 euros. The contribution ceiling is raised to 8,050 euros and the minimum contribution for voluntary insurance is also increasing.