Partial retirement can begin up to two years before the ordinary retirement age. The simulator applies reduction coefficients (e.g., 6.5% per early year). A “top” simulation compares the long-term loss of starting at 63 versus 64. It might show that waiting one year increases the monthly pension by 8-10%—a critical insight for lifetime planning.
: Enter the percentage of work reduction (e.g., 50% or 75%). The pension amount will be reduced proportionally to the hours you stop working. simulador jubilacion parcial seguridad social top