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qué pensión le queda a una empleada de hogar

3Respuestas

Sanchez

21/08/2026, 18:40:48

Claro, te respondo directamente: la pensión que le queda a una empleada de hogar en 2026 depende de sus años cotizados y de la base de cotización que haya tenido durante su vida laboral. Si ha cotizado al menos 15 años, tendrá derecho a una pensión contributiva de jubilación, cuyo importe se calcula aplicando un porcentaje sobre su base reguladora. Por ejemplo, con 15 años cotizados le corresponde el 50% de dicha base; con 36 años o más, el 100%. Es importante saber que desde 2023 las empleadas de hogar cotizan por el sistema general, con bases mínimas y máximas actualizadas anualmente. En 2026 la base mínima será de unos 1.260 €/mes y la máxima de 4.720 €/mes, aproximadamente. Además, existe un complemento para reducir la brecha de género. Si no alcanza los 15 años, puede optar por una pensión no contributiva (unos 517 €/mes en 2026). Recuerda que cada caso es único y conviene solicitar un informe de vida laboral en la Seguridad Social.

Para que te hagas una idea, aquí tienes una tabla con estimaciones orientativas para 2026 (basadas en proyecciones oficiales):

Años cotizados	Porcentaje sobre base reguladora	Pensión estimada (base mínima)	Pensión estimada (base media)
15 años	50%	630 €/mes	950 €/mes
25 años	77%	970 €/mes	1.463 €/mes
36 años	100%	1.260 €/mes	1.900 €/mes

Eso sí, todo esto es una guía general. Si estás valorando contratar a una empleada de hogar o eres una de ellas, lo mejor es pedir cita en la Seguridad Social para un cálculo personalizado.

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VanAngela

21/08/2026, 21:46:20

A mí, como empleadora, me preocupa mucho el tema de las pensiones porque sé que si no cotizamos bien, la trabajadora se queda sin nada. Por eso desde que contraté a María, la tengo dada de alta con su sueldo real, no con la base mínima. En 2026, con las nuevas subidas, la cotización mínima sube un poco, pero prefiero pagar más ahora para que ella tenga una pensión digna. Además, es una forma de fidelizar: si ella sabe que me preocupo por su futuro, se queda más tiempo y rinde mejor. Al final, es un win-win para ambas.

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OAllie

22/08/2026, 04:08:42

Soy asesora laboral y veo muchas consultas de empleadas de hogar que no saben qué pensión les espera. Lo que más recomiendo es revisar el historial de cotizaciones cada año y, si hay lagunas, plantearse un convenio especial con la Seguridad Social. En 2026, el coste de ese convenio ronda los 300 €/mes por una base media. También hay ayudas autonómicas para este colectivo. No esperéis a los 65 años; planificar con antelación marca

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