{"id":32,"date":"2026-09-09T15:09:18","date_gmt":"2026-09-09T13:09:18","guid":{"rendered":"https:\/\/pensionautonomos.com\/?p=32"},"modified":"2026-09-09T15:09:18","modified_gmt":"2026-09-09T13:09:18","slug":"por-que-los-autonomos-cobran-menos-pension-que-los-asalariados","status":"publish","type":"post","link":"https:\/\/pensionautonomos.com\/?p=32","title":{"rendered":"\u00bfPor qu\u00e9 los aut\u00f3nomos cobran menos pensi\u00f3n que los asalariados?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Si eres aut\u00f3nomo, probablemente hayas escuchado o le\u00eddo la estad\u00edstica: la pensi\u00f3n media de jubilaci\u00f3n de los trabajadores por cuenta propia en Espa\u00f1a es hist\u00f3ricamente inferior a la de los asalariados (a menudo, la brecha supera los 500 euros mensuales).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es habitual pensar que el sistema penaliza al colectivo, pero la realidad responde a un c\u00e1lculo matem\u00e1tico directo basado en c\u00f3mo y cu\u00e1nto se cotiza a la Seguridad Social a lo largo de la vida laboral. En este art\u00edculo vamos a desglosar exactamente por qu\u00e9 ocurre esto y qu\u00e9 mecanismos del sistema generan esta diferencia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si a\u00fan no est\u00e1s familiarizado con los requisitos de la pensi\u00f3n p\u00fablica, te sugerimos leer primero nuestra gu\u00eda <em>\u00abC\u00f3mo funciona la jubilaci\u00f3n de los aut\u00f3nomos en Espa\u00f1a\u00bb<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. El factor principal: la base de cotizaci\u00f3n hist\u00f3rica<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La pensi\u00f3n p\u00fablica de jubilaci\u00f3n en Espa\u00f1a no se calcula en funci\u00f3n de los ingresos reales que has tenido a lo largo de tu vida, sino sobre tu <strong>base de cotizaci\u00f3n<\/strong> de los \u00faltimos 25 a\u00f1os previos a la jubilaci\u00f3n.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>El caso del asalariado:<\/strong> Su base de cotizaci\u00f3n va ligada obligatoriamente a su salario bruto mensual. Si gana m\u00e1s, cotiza por una base mayor de forma autom\u00e1tica.<\/li>\n\n\n\n<li><strong>El caso del aut\u00f3nomo:<\/strong> Hasta la entrada en vigor del nuevo sistema de cotizaci\u00f3n por ingresos reales (desplegado progresivamente desde 2023), el aut\u00f3nomo pod\u00eda elegir libremente su base de cotizaci\u00f3n. Hist\u00f3ricamente, m\u00e1s del 80% de los aut\u00f3nomos eleg\u00edan cotizar por la base m\u00ednima legal para reducir sus gastos mensuales, independientemente de si facturaban 1.500\u20ac o 4.000\u20ac al mes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Al cotizar por la m\u00ednima durante d\u00e9cadas, la base reguladora resultante para calcular la pensi\u00f3n se queda tambi\u00e9n en el escal\u00f3n m\u00e1s bajo. Aunque el nuevo sistema vincula la cuota a los rendimientos netos, la pensi\u00f3n actual toma en cuenta los \u00faltimos 25 a\u00f1os, por lo que el \u00ablastre\u00bb de haber cotizado por la m\u00ednima durante a\u00f1os seguir\u00e1 afectando a las jubilaciones de las pr\u00f3ximas dos d\u00e9cadas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. El \u00absalario invisible\u00bb y las aportaciones empresariales<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Existe una ilusi\u00f3n \u00f3ptica al comparar el sueldo de un asalariado con los ingresos de un aut\u00f3nomo: Cuando un asalariado tiene un sueldo bruto de 2.000\u20ac, esa no es su base de cotizaci\u00f3n total. La empresa paga adicionalmente en torno a un 30% m\u00e1s (cuota patronal) a la Seguridad Social por ese trabajador. Su base real de cotizaci\u00f3n es mucho mayor que lo que ve en su n\u00f3mina.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El aut\u00f3nomo, sin embargo, asume el 100% de su cotizaci\u00f3n a trav\u00e9s de su cuota mensual. Para que un aut\u00f3nomo igualara la base de cotizaci\u00f3n de ese asalariado, tendr\u00eda que destinar una parte enorme de sus ingresos netos a pagar la cuota de la Seguridad Social, algo que pocos profesionales por cuenta propia pueden (o quieren) asumir mes a mes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. El castigo de las \u00ablagunas de cotizaci\u00f3n\u00bb<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La vida laboral de 25 a\u00f1os rara vez es ininterrumpida. Es com\u00fan pasar por periodos sin ingresos, meses sin cotizar o crisis econ\u00f3micas. El sistema trata de forma muy distinta estos \u00abhuecos\u00bb (lagunas de cotizaci\u00f3n) seg\u00fan seas asalariado o aut\u00f3nomo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Trabajadores del R\u00e9gimen General (asalariados):<\/strong> Si un mes no cotizan, la Seguridad Social \u00abrellena\u00bb ficticiamente ese vac\u00edo (las primeras 48 mensualidades se integran con el 100% de la base m\u00ednima de entre todas las vigentes, y el resto con el 50%).<\/li>\n\n\n\n<li><strong>Trabajadores del RETA (aut\u00f3nomos):<\/strong> Las lagunas de cotizaci\u00f3n <strong>no se integran<\/strong>. Si un aut\u00f3nomo se da de baja un a\u00f1o porque el negocio va mal, esos meses computar\u00e1n como <strong>cero euros<\/strong> a la hora de calcular la media de sus \u00faltimos 25 a\u00f1os, hundiendo dr\u00e1sticamente la cuant\u00eda de su pensi\u00f3n final.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00f3mo complementar la pensi\u00f3n y cerrar la brecha<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sabiendo que, estructuralmente, la pensi\u00f3n p\u00fablica del aut\u00f3nomo tiende a ser m\u00e1s baja, la planificaci\u00f3n privada no es un lujo, sino una necesidad. Como el aut\u00f3nomo no cuenta con las aportaciones empresariales autom\u00e1ticas de las grandes compa\u00f1\u00edas, el Estado ha creado incentivos fiscales espec\u00edficos para que el colectivo construya su propio colch\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aqu\u00ed es donde entra el <strong>Plan de Pensiones de Empleo Simplificado (PPES)<\/strong>. Como vimos en nuestra gu\u00eda para principiantes, esta herramienta reciente permite al aut\u00f3nomo en 2026:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aportar hasta <strong>4.250\u20ac anuales<\/strong> al PPES.<\/li>\n\n\n\n<li>Sumar <strong>1.500\u20ac anuales<\/strong> en un plan individual tradicional.<\/li>\n\n\n\n<li>Alcanzar un tope de <strong>5.750\u20ac de deducci\u00f3n fiscal<\/strong>, rebajando notablemente la factura del IRPF mientras se genera el capital necesario para compensar la menor pensi\u00f3n p\u00fablica.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Preguntas frecuentes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfCotizar por ingresos reales igualar\u00e1 las pensiones en el futuro?<\/strong> Ayudar\u00e1 a reducir la brecha a largo plazo para las nuevas generaciones de aut\u00f3nomos. Sin embargo, para los aut\u00f3nomos que ya tienen entre 40 y 60 a\u00f1os, los a\u00f1os ya cotizados por la base m\u00ednima pesar\u00e1n irremediablemente en el c\u00e1lculo de sus \u00faltimos 25 a\u00f1os, por lo que la brecha seguir\u00e1 existiendo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfPuedo subir de golpe mi base de cotizaci\u00f3n en los \u00faltimos a\u00f1os para cobrar m\u00e1s?<\/strong> No de forma arbitraria. Con el sistema actual, tu base de cotizaci\u00f3n debe ir en concordancia con tus rendimientos netos reales. Ya no puedes \u00absobrecotizar\u00bb libremente al final de tu carrera solo para engordar la pensi\u00f3n si tus ingresos reales no justifican ese tramo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfMe compensa m\u00e1s pagar m\u00e1s cuota de aut\u00f3nomo o meter el dinero en un plan de pensiones?<\/strong> Es una decisi\u00f3n estrat\u00e9gica que depende de tu edad e ingresos. Subir la cuota mejora prestaciones inmediatas (bajas por enfermedad, cese de actividad), pero aportar a un plan de pensiones\/PPES te garantiza que ese capital es tuyo, se invierte para generar rentabilidad a largo plazo y te ofrece una deducci\u00f3n fiscal muy potente en la Renta.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Fuentes y normativa de referencia: Ministerio de Inclusi\u00f3n, Seguridad Social y Migraciones; Real Decreto-ley 13\/2022 (nuevo sistema de cotizaci\u00f3n para trabajadores por cuenta propia o aut\u00f3nomos). Los datos reflejan la normativa vigente en 2026; te recomendamos consultar con un asesor laboral o utilizar los simuladores oficiales de la Seguridad Social para analizar tu caso particular.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si eres aut\u00f3nomo, probablemente hayas escuchado o le\u00eddo la estad\u00edstica: la pensi\u00f3n media de jubilaci\u00f3n de los trabajadores por cuenta [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":33,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[],"class_list":["post-32","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guias-basicas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfPor qu\u00e9 los aut\u00f3nomos cobran menos pensi\u00f3n que los asalariados? 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