{"id":15547,"date":"2015-07-22T11:00:34","date_gmt":"2015-07-22T09:00:34","guid":{"rendered":"http:\/\/aseryde.com\/?p=15547"},"modified":"2015-07-22T11:00:34","modified_gmt":"2015-07-22T09:00:34","slug":"elegir-la-base-de-cotizacion-del-autonomo","status":"publish","type":"post","link":"https:\/\/aseryde.com\/en\/elegir-la-base-de-cotizacion-del-autonomo\/","title":{"rendered":"Choose the self-employed contribution base"},"content":{"rendered":"<ul>\n<li style=\"text-align: justify;\"><strong>Choosing the social security contribution base is perhaps the first decision that a self-employed person faces when setting up their business, and it is something that should not be postponed, since it has consequences in the future that can be anticipated but that cannot always be corrected.<\/strong><\/li>\n<\/ul>\n<p style=\"text-align: justify;\">The average pension of self-employed retirees in 2014 was 678.61 euros on average, which means that they received only 60% of the average pension of employees, which was 1,143.19 euros.<br \/>\nThis difference has its explanation in the contribution bases, which while for employees it was 1,703.71 euros, for the self-employed it does not reach 1,000 euros (they contributed for a base of 999.27 euros). The consequence is delayed, but essential: the rights generated for retirement are much smaller.<\/p>\n<p><strong>How much is it advisable to contribute to Social Security if you are self-employed?<\/strong><\/p>\n<p style=\"text-align: justify;\">Being able to choose the contribution base (something that the self-employed can do), becomes, if a low base is chosen, \u201cbread for today and hunger for tomorrow.\u201d And from the data it seems that the self-employed are clear about this, since in the first quarter of 2015, 86% of the self-employed are quoted for their minimum base.<br \/>\nTo put a figure, contributing for 1,500 euros per month (half of the maximum base) is a good decision. This means paying Social Security just over 400 euros per month, instead of the 260 euros of the minimum base. or the approximately 1,000 of the maximum.<\/p>\n<p style=\"text-align: justify;\"><strong>At what age should the base be increased?<\/strong><br \/>\nThe current law establishes that the pension will gradually be calculated on the contributions made during the last 25 years worked, and no longer on the last 15, as until 2012.<br \/>\nTherefore, with the current law, we would have to start worrying about retirement from the age of 42, although since retirement is voluntary, there is the option of contributing two or three years beyond the age of 67, to move later the date on which we stop working.<br \/>\nThe retirement ages and contribution period are applied gradually, in the terms shown in the following table:<a class=\"dt-single-image\" href=\"http:\/\/aseryde.com\/wp-content\/uploads\/2015\/07\/Cotizaciones-seguridad-social.jpg\" data-dt-img-description=\"\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-15552\" src=\"http:\/\/aseryde.com\/wp-content\/uploads\/2015\/07\/Cotizaciones-seguridad-social.jpg\" alt=\"Periodos cotizados Seguridad Social\" width=\"444\" height=\"574\" srcset=\"https:\/\/aseryde.com\/wp-content\/uploads\/2015\/07\/Cotizaciones-seguridad-social.jpg 444w, https:\/\/aseryde.com\/wp-content\/uploads\/2015\/07\/Cotizaciones-seguridad-social-232x300.jpg 232w, https:\/\/aseryde.com\/wp-content\/uploads\/2015\/07\/Cotizaciones-seguridad-social-400x516.jpg 400w\" sizes=\"(max-width: 444px) 100vw, 444px\" \/><\/a><\/p>\n<blockquote>\n<p style=\"text-align: center;\"><strong>THE LIMITATION OF 47 YEARS TO CHOOSE THE BASIS OF CONTRIBUTION<\/strong><\/p>\n<p style=\"text-align: justify;\">It is necessary to take into account the limitations that exist from the age of 47 to increase the contribution bases: when the deadline to contract the maximum rate passes, this base will no longer be able to be increased.<br \/>\nThe self-employed person who was this age last January and who in December 2014 was contributing for a base equal to or greater than 1,926.60 euros may continue to choose between the minimum base (884.40 euros per month) and the maximum (3,606 euros per month). month);<br \/>\nThose self-employed workers who, as of January 1, 2015, had already turned 47 years of age and were contributing below 1,926.60 euros, will no longer be able to contribute for the minimum base of 884.40 euros per month. They will have to do it for at least 953.70 euros. And its maximum ceiling also changes, and is lowered to 1,945.80 euros. That is, if a 47-year-old self-employed worker already contributed above (between 1,926.61 and 3,606 euros), he or she will be able to exceed the bar of 1,945.80 euros.<\/p>\n<\/blockquote>\n<p style=\"text-align: justify;\">It is a matter that upsets all self-employed people, and the connotations are multiple, so it is advisable to be well informed.<\/p>\n<p style=\"text-align: justify;\">At Aseryde we are at your disposal to study your case and make the calculations that will allow you to better plan your financial future. <a href=\"http:\/\/aseryde.com\/en\/contacto-cieza\/\">contact <\/a>with us or call us at 968 45 46 24 and we will assist you without obligation.<\/p>\n<p style=\"text-align: justify;\">Contribution bases for self-employed workers 2015<a href=\"http:\/\/aseryde.com\/wp-content\/uploads\/2015\/07\/Cotizaciones-seguridad-social-autonomos.pdf\" target=\"_blank\"> PDF<\/a><\/p>\n<p style=\"text-align: justify;\">","protected":false},"excerpt":{"rendered":"<p>Choosing the Social Security contribution base is perhaps the first decision a self-employed person faces when starting a business, and it&#039;s something that shouldn&#039;t be postponed, as it has future consequences that can be anticipated but not always corrected. [\u2026]<\/p>","protected":false},"author":2,"featured_media":16348,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5],"tags":[17,31,33,51,126],"class_list":["post-15547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-autonomos","tag-base-autonomos","tag-base-de-cotizacion-autonomo","tag-cotizacion-seguridad-social-autonomos","tag-reta"],"_links":{"self":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts\/15547","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/comments?post=15547"}],"version-history":[{"count":0,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/posts\/15547\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/media\/16348"}],"wp:attachment":[{"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/media?parent=15547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/categories?post=15547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aseryde.com\/en\/wp-json\/wp\/v2\/tags?post=15547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}