When could you stop working?

See what you could receive and test real decisions: stop working earlier, reduce your hours or spend more on what matters to you.

neto.es brings your full financial situation together to show how your income and net worth could change.

A man in his late fifties sitting calmly with a mug on a sunlit terrace

You could stop working at 61

Your savings would cover the 6 years until your public pension starts

You would keep a buffer for unexpected expenses

(Example)

How does neto.es arrive at this answer?

Thousands of calculations. One clear answer.

The neto.es retirement simulator projects month by month how your income, expenses, savings, investments, property, taxes, contributions and pensions could evolve, consistently applying the Spanish rules it has modelled. This gives you a clear view of how your financial future could unfold and lets you test how different decisions could change it before you decide.

Age 61Age 67Now
(Example)

Your retirement is much more than the public pension

2042Sergio, age 67
Today’s euros
Salary
€0
Public pension
+€2,779
Sale of financial assets
+€21,537
Private pension withdrawal
+€5,304
Rental income
+€8,400
Social Security contributions
€0
General-base income tax
−€573
Savings-base income tax
−€2,390
Funding available before spending€35,057
(Example)

Beyond the public pension, salary, savings, investments, property, private pensions and taxes can all be important to your retirement, each at different times. neto.es works as a comprehensive retirement calculator: it brings them onto one timeline, showing how each stage is funded and how one decision changes what comes later.

Because every plan is different, neto.es gives you a personal answer based on your whole financial picture: when you could stop working, what you could spend and whether your money could last.

Could you retire early, and how much would you receive?

Voluntary early retirement lets you start receiving the public pension up to 24 months before your ordinary retirement age if you meet the requirements, in exchange for a permanent reduction in the amount.

Waiting can give you a higher monthly pension, while starting earlier gives you income sooner. It is difficult to picture how those effects balance out over time.

neto.es makes the trade-off easy to see: you can compare both options within your complete financial plan, not only as two pension amounts. It combines the contributions you have already made with those you expect to make, checks the access requirements, and calculates the regulatory base, contribution-career percentage and reduction coefficients for voluntary early retirement according to the months brought forward. It then projects how each date affects your savings, investments, taxes, spending and net worth.

B

Ordinary retirement

December 2040Age 65

EligibilityEligible
Regulatory baseCalculated from contribution bases
€4,101
Contribution-career percentage41 years 3 months
100%
Pension before reductionsRegulatory base × contribution percentage
€4,101
Reduction coefficientOrdinary retirement
Not applied
Initial monthly pension14 payments per year€4,101
A

Voluntary early retirement

December 2038Age 63

EligibilityEligible
Regulatory baseCalculated from contribution bases
€3,873
Contribution-career percentage39 years 3 months
100%
Pension before reductionsRegulatory base × contribution percentage
€3,873
Reduction coefficient24 months early
19% · −€736
Initial monthly pension14 payments per year€3,137
2037Age 622038Age 632039Age 642040Age 652041Age 662042Age 672043Age 682044Age 69
(Calculated example)

Find out whether you could afford to stop working before your public pension begins

Bringing your public pension forward is not the only way to stop working earlier. You can also stop working before your public pension begins and fund the intervening years yourself.

If work ends first, a bridge period appears. Spending continues, but salary has stopped and the public pension has not started. Those years need to be funded with savings, investments, a private pension, property income or other resources.

neto.es brings your full financial situation together and simulates how its components interact month by month. You can see where the bridge money would come from, compare dates and understand the effect on your liquidity and net worth.

(Example)

Compare scenarios before you decide

You do not have to get every decision right on the first try. Test different possibilities: when to stop working, how to invest, when and how much to draw from a private pension, or what to do with a second home, such as renting it out. You can immediately see how each choice could change your plan.

neto.es projects every alternative using the same data and assumptions, so you can compare its effect on your wealth, income, taxes, the years without employment income and the date your public pension begins. Looking ahead makes the trade-offs visible and helps you decide with greater clarity.

Compare scenarios
BRetire at 61
VS
ARetire at 59

Net worth (in today’s euros)

Timeline
(Example)

See what you would have left after taxes and contributions

What matters is not only how much income you receive, but how much remains available to live on. If income tax or Social Security contributions are underestimated, a retirement plan can look more comfortable than it really is.

neto.es applies the rules for the relevant tax territory in Spain, distinguishes between the general and savings income-tax bases, and projects Social Security contributions. This shows the total cost and how its components could change over time.

This breakdown does more than explain the tax cost: it helps you optimize how you fund your retirement. Compare different ways and moments to draw from investments and private pensions, and find a combination that covers your spending while potentially leaving you with more net money available.

Taxes and contributions (in today’s euros)

Annual
Metric203720382039204020412042
Total taxes and contributions€0€3,848€8,904€9,095€9,289€4,088
General-base income tax€0€3,848€8,904€9,095€9,289€794
Savings-base income tax€0€0€0€0€0€3,293
Social Security contributions€0€0€0€0€0€0
(Example)

Build and evaluate your plan in three steps

neto.es turns a complex financial situation into a simple process: understand where you are, shape your decisions and see how the outcomes change.

1. Bring your complete current situation together

Income, spending, cash, investments, private pensions, property and debts form one shared starting point. You can also upload your employment history and contribution-base reports. neto.es uses that history later to check your eligibility and calculate your projected public pension. Every alternative is evaluated using the same information.

2. Model the possibilities for your future

Your future depends on more than one decision. Explore when to stop working or reduce your hours, how much to save or invest, when to draw on savings or a private pension, and whether to buy, sell or rent out property. Adjust spending, income, debts and priorities. neto.es connects every choice so you can test anything from a small change to a completely different path through life.

3. Check the result and compare alternatives

See whether the plan meets your requirements, follow how your net worth could evolve and compare what changes if you make a decision earlier or later.

One shared starting pointDifferent decisionsComparable results

Your retirement plan, now conversational.

If you’d like, connect ChatGPT to neto.es and describe in your own words what you want to set up, compare, or understand. ChatGPT can help you compare different retirement ages, understand your public pension options, review how to fund the bridge years, or see what the results say about whether your plan is feasible.

neto.es was designed from the ground up to work with AI. Behind the conversation, it keeps your retirement plan structured, consistently applies the Spanish financial and tax rules it models, and performs the calculations. This gives ChatGPT a consistent and reliable financial foundation for helping you explore and understand different alternatives.

It is a powerful combination: the ease of a conversation and the strength of a financial engine. This lets you quickly build a model of how your retirement could unfold and focus on what really matters.

n. neto.esOpen in neto.es
Latest turn
“Help me understand the difference between retiring at 61 and retiring at 59.”
That two-year difference has a surprisingly large effect.

In scenario A, employment income stops two years earlier, while the public pension starts on the same date. That extends the bridge period: savings, investments and the private pension must cover more months without a salary. Because money is withdrawn sooner, less capital also remains invested and generating returns. Net worth falls further during those years and, although both plans start growing again after 2042, the gap between them continues to widen. Working until 61 preserves more liquidity, puts less pressure on your resources and leaves a larger margin for unexpected expenses. That does not mean retiring at 59 is unworkable, but it makes the plan more dependent on investment returns and leaves less room to absorb weak market years, higher-than-expected inflation or a major expense. Before choosing, I would also compare how much cash remains available during the bridge, the withdrawals required each year and how the outcome changes if returns are slightly lower. That stress test would show whether 59 remains a reasonable option or whether working one or two years longer adds a safety margin worth keeping.

Ask ChatGPTInstant
(Example)

Take control of your retirement plan.

Peace of mind does not come from predicting the future, but from having thought it through, compared the options and put the plan to the test. With neto.es, you can build a plan you understand, keep it under your control and continue adjusting it as your life changes.

Your plan, always under your controlYou can do it yourself: review the information and assumptions, change your decisions and compare again as often as you need.
Your retirement is more than the public pensionSee how savings, investments, a private pension, property and other income could fund the bridge years if you stop working before your public pension begins.
Spanish rules built into the calculationneto.es consistently applies the Spanish rules it models and calculates how the public pension, income tax and contributions affect your plan.
Plan your wayWork directly on your plan. If you prefer, connect ChatGPT to help you build, compare and understand the plan.

Build your own retirement plan

Bring your income, spending, pensions, savings, investments and property together. Test when you could stop working, and see what each choice changes.