The article explores the various options and implications of early retirement for workers in Spain, particularly focusing on the ability to retire voluntarily at the age of 63, with certain conditions. It highlights that while early retirement is possible, it requires careful consideration, especially regarding the pension amount that will be received after retiring early. Additionally, the workers must also account for their contribution time to determine their legal retirement age, which could be 65 or later.

The text points out that the 2011 pension system reform significantly affected early retirement options, introducing further complexity to the calculations involved. Workers considering this route need to use a calculator to assess how the choice of retiring early will impact their future pension benefits, emphasizing the long-term financial implications of such a decision. Also mentioned are specific scenarios under which individuals may qualify for retirement at ages earlier than 63, though these scenarios often come with a reduction in pension amounts.

In conclusion, the article serves as a guide for those contemplating early retirement, stressing the importance of being well-informed about the potential financial repercussions. This information is crucial for workers aiming to make balanced decisions about their retirement strategies, especially given the backdrop of legislative changes that have reshaped the pension landscape in Spain.