How long can I claim cessation of activity benefit in Spain?

It depends on the months you have contributed specifically for cessation of activity in the last 48 months. 12-17 months gives 4 months of benefit; 18-23 months gives 6; 24-29 gives 8; 30-35 gives 10; 36-42 gives 12; 43-47 gives 16; and 48 or more months gives the maximum of 24 months. Legal basis: Art. 338 LGSS.

How much does the Spanish freelancer cessation benefit pay?

The monthly amount is 70% of your contribution base (average of your last 12 RETA contribution bases). This amount has a minimum and maximum calculated on the adjusted IPREM 2026 (€700/month). No children: min €560, max €1,225. 1 child: min €749, max €1,400. 2+ children: min €749, max €1,575. Legal basis: Art. 339 LGSS.

What are the requirements to claim cessation of activity?

You must meet all requirements of Art. 330 LGSS: be registered and up to date with RETA contributions, be in a legal situation of cessation (closure, losses, economic causes or force majeure), have contributed for at least 12 consecutive months for cessation of activity immediately before the cessation (within the last 48 months), not have reached ordinary retirement age, and be registered as a jobseeker.

What is the contribution base (base reguladora) for cessation of activity?

It is the average of your RETA contribution bases during the 12 consecutive months immediately preceding the legal cessation of activity (Art. 339 LGSS). It is not the average of your entire working life — only that recent period. If you changed your base during that year, the calculation reflects those changes.

Does the Spanish freelancer benefit drop from 70% to 50% like regular unemployment?

No. The cessation of activity benefit for freelancers stays at 70% of the contribution base throughout the entire benefit period (Art. 339 LGSS). The reduction to 50% from month seven is a rule for the unemployment benefit under the General Regime (employed workers) and does not apply to cessation of activity.

Where and when should I apply for cessation of activity benefit?

Apply to your mutual insurance company (mutua colaboradora) within 15 working days of the legal cessation date. If you do not have a mutual, apply directly to SEPE. The application date determines when payment starts — you cannot claim retroactively.

Cessation of Activity Calculator Spain 2026

Find out how much you would receive if you close your business: benefit duration, net monthly amount with IPREM caps, and total. Updated with Art. 338 LGSS and IPREM 2026.

Months contributed in the last 48 months

Integer between 12 and 48. Minimum 12 to qualify for the benefit.

12 months48 months

Average monthly contribution base

€

Average of your RETA contribution bases over the last 12 months (before cessation). In EUR/month.

Dependent children

No childrenCaps: min 80% IPREM — max 175% IPREM

1 dependent childCaps: min 107% IPREM — max 200% IPREM

2 or more childrenCaps: min 107% IPREM — max 225% IPREM

IPREM 2026: €600/month (adjusted to €700/month including the one-sixth increment per Art. 339 LGSS). No 2026 budget approved, value remains frozen.

Enter your details to calculate the benefit

Indicative calculation based on Arts. 338 and 339 LGSS (RDLeg 8/2015, amended by RDL 13/2022) and IPREM 2026 (€600/month). The definitive benefit is determined by SEPE or your mutual insurance company. Consult your accountant.

How to calculate your cessation of activity benefit

The benefit calculation follows four steps set by Arts. 338 and 339 LGSS:

Check your contributed months

You need at least 12 months contributed for cessation of activity within the last 48 months, of which at least 12 must fall within the 24 months immediately preceding cessation.

Determine the duration

The Art. 338 LGSS table assigns duration based on your contributed months: from 4 months (12-17 months) up to 24 months (48 or more months).

Calculate the monthly amount

The monthly benefit is 70% of your contribution base (average of your last 12 bases), subject to a minimum and maximum based on the adjusted IPREM 2026 and your number of dependents.

Get the total

Multiply the net monthly benefit by the number of benefit months. Apply through your mutual insurance company or SEPE within 15 working days of the cessation date.

Why use this calculator

Figures verified directly against the consolidated LGSS text, not secondary sources.

Corrected duration table

We use the actual Art. 338 LGSS table (12-17 months → 4 months of benefit, up to ≥48 → 24 months), not outdated versions. No errors that lead you to expect more or less than you are entitled to.

Accurate IPREM caps

We apply the IPREM adjusted to €700/month (€600 × 7/6, per Art. 339 LGSS), not the base €600. Many calculators use the unadjusted amount and underestimate the maximum by up to €175/month.

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Frequently asked questions about cessation of activity

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