Minimum Pension Supplement, How Does It Work?

The retirement pension is intended to cover the loss of income that we will experience at the end of our working life.

What are minimum add-ons?

In our country, all public benefits have a maximum and minimum limit, and retirement pensions are no exception . If you collect a contributory pension , the monthly amount of it can never be below the minimum limit legally set.

Now, it may happen that due to your quote, the amount that corresponds to you to collect is below that minimum amount. Well, that’s when the complement of the minimum pension comes into play.

The so-called minimum supplement is a supplementary amount that is added to the amount of the pension so that the amount of the same reaches the legal minimum .

How is it calculated?

If the sum of the pensioner’s economic income (income from movable or real estate capital, capital gains, etc.) and the sum of the contributory pension is below the legally established minimum amount, the complement will be the difference between these two amounts.

When can it be requested?

The request to collect this supplement can be made at the same time the pension is recognized . In the event that the request is made later , the supplement will be retroactive to a maximum of three months.


In order to access this add-on it is necessary:

  • Have an income that is below the legally established minimum. In 2020 the minimum limit is 7,630 euros per year.
  • Receive a contributory retirement pension.
  • Reside in Spanish territory.

Is the minimum pension supplement for life?

While the retirement pension is for life, the same is not the case with the minimum supplement. If the time comes when the retiree’s income causes his income to be above the minimum limit, he will lose his right to collect the minimum supplement .

Incompatibility of the minimum pension supplement

The payment of the supplement is incompatible with the receipt of income from work, capital, economic activities and also with capital gains if they exceed the legal minimum established (it is updated every year).

The supplement to the minimum pension guarantees that all retirees will receive a minimum amount that allows them to continue with their lives. However, the amounts of the minimum pensions make it difficult to maintain a decent quality of life . Therefore, it is best to take action now and start preparing for retirement.

Our recommendation is that you contact an expert advisor in financial education and planning to help you define your goals for the future and choose the most appropriate savings and investment products . Thus, when the moment of retirement finally arrives, you will be able to enjoy it with economic well-being.