{"id":60888,"date":"2024-08-04T11:48:26","date_gmt":"2024-08-04T09:48:26","guid":{"rendered":"https:\/\/www.fondapi.it\/calculo-de-la-pension\/"},"modified":"2025-11-12T08:43:20","modified_gmt":"2025-11-12T07:43:20","slug":"calculo-de-la-pension","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/es\/como-funciona\/adhesion-trabajadores\/calculo-de-la-pension\/","title":{"rendered":"C\u00e1lculo de la pensi\u00f3n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60888\" class=\"elementor elementor-60888 elementor-57075\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35dee502 e-flex e-con-boxed e-con e-parent\" data-id=\"35dee502\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-20d9b197 e-flex e-con-boxed e-con e-child\" data-id=\"20d9b197\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cde79ee elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"cde79ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/es\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Inicio\">Inicio<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e3938bc elementor-widget elementor-widget-html\" data-id=\"1e3938bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-245e8c01 e-flex e-con-boxed e-con e-child\" data-id=\"245e8c01\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dd0d898 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"5dd0d898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">C\u00d3MO FUNCIONA<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d9e3161 e-flex e-con-boxed e-con e-parent\" data-id=\"3d9e3161\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-514a21b7 e-con-full e-flex e-con e-child\" data-id=\"514a21b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1d8b9 elementor-widget elementor-widget-heading\" data-id=\"5c1d8b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00a1Pruebe el simulador Fondapi y descubra las ventajas de la pensi\u00f3n complementaria!<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a7f528e elementor-widget elementor-widget-text-editor\" data-id=\"6a7f528e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>La pensi\u00f3n es uno de los aspectos m\u00e1s importantes en la vida de un trabajador. Por eso es importante conocer el c\u00e1lculo de la pensi\u00f3n. De esta manera, podr\u00e1 estimar cu\u00e1nto valdr\u00e1 la mensualidad del INPS y planificar mejor su futuro.  <\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c1b9ca elementor-widget elementor-widget-button\" data-id=\"2c1b9ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale%20\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Pru\u00e9belo ahora!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a42cb6d e-con-full e-flex e-con e-child\" data-id=\"5a42cb6d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7574b75a elementor-widget elementor-widget-image\" data-id=\"7574b75a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1331\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore.webp\" class=\"attachment-full size-full wp-image-60731\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore.webp 1331w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-681x1024.webp 681w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-768x1154.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-1022x1536.webp 1022w\" sizes=\"(max-width: 1331px) 100vw, 1331px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7aa0a273 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"7aa0a273\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57590f95 e-flex e-con-boxed e-con e-parent\" data-id=\"57590f95\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-47207fe1 e-con-full e-flex e-con e-child\" data-id=\"47207fe1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78cc998a elementor-widget elementor-widget-image\" data-id=\"78cc998a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640.jpg\" class=\"attachment-full size-full wp-image-60889\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640.jpg 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-200x300.jpg 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-682x1024.jpg 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-768x1152.jpg 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-1024x1536.jpg 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30bd84ae e-con-full e-flex e-con e-child\" data-id=\"30bd84ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22b462fe elementor-widget elementor-widget-heading\" data-id=\"22b462fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">El sistema de pensiones italiano<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-393fb1ed elementor-widget elementor-widget-text-editor\" data-id=\"393fb1ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El sistema de pensiones italiano se basa en dos pilares:<\/p><p>El <strong>primer pilar<\/strong> es el sistema de pensiones p\u00fablico, gestionado por el INPS. En este sistema, la pensi\u00f3n se calcula en base a las cotizaciones realizadas por el trabajador durante su carrera laboral. <\/p><p>El <strong>segundo pilar<\/strong> es el sistema de pensiones complementario, gestionado por los fondos de pensiones. En este sistema, el trabajador puede elegir, <a href=\"https:\/\/www.fondapi.it\/es\/finiquito-al-fondo-de-pensiones\/\">partiendo del finiquito<\/a>, realizar cotizaciones adicionales a las del primer pilar. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3838fb8 elementor-widget elementor-widget-heading\" data-id=\"3838fb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">El c\u00e1lculo de la pensi\u00f3n p\u00fablica<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f304c26 elementor-widget elementor-widget-text-editor\" data-id=\"f304c26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El c\u00e1lculo de la pensi\u00f3n p\u00fablica se basa en varios factores. Los principales son: <\/p><ul><li><strong>La edad de jubilaci\u00f3n<\/strong>: la edad de jubilaci\u00f3n es el umbral de edad en el que se puede acceder a la pensi\u00f3n de vejez. Actualmente est\u00e1 fijada en 67 a\u00f1os, pero est\u00e1 destinada a aumentar en los pr\u00f3ximos a\u00f1os. <\/li><\/ul><ul><li><strong>Los a\u00f1os de cotizaci\u00f3n<\/strong>: los a\u00f1os de cotizaci\u00f3n son el n\u00famero de a\u00f1os en los que se han realizado aportaciones al sistema de pensiones. El m\u00ednimo de a\u00f1os de cotizaci\u00f3n para acceder a la pensi\u00f3n de vejez es de 20 a\u00f1os. <\/li><\/ul><ul><li><strong>Las cotizaciones realizadas al INPS<\/strong>: el importe de las cotizaciones realizadas al INPS es una variable fundamental para determinar la futura pensi\u00f3n.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-176789fa elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"176789fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-591af93a e-flex e-con-boxed e-con e-parent\" data-id=\"591af93a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-626b5a3 e-con-full e-flex e-con e-child\" data-id=\"626b5a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-7d3c6eb e-con-full e-flex e-con e-child\" data-id=\"7d3c6eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00c7cdc elementor-widget elementor-widget-heading\" data-id=\"00c7cdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La transici\u00f3n del sistema retributivo al sistema contributivo<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0876542 e-con-full e-flex e-con e-child\" data-id=\"0876542\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-cd9fbdb e-con-full e-flex e-con e-child\" data-id=\"cd9fbdb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-1995ee8 e-flex e-con-boxed e-con e-child\" data-id=\"1995ee8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3080618 elementor-widget elementor-widget-heading\" data-id=\"3080618\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1969<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f909fe elementor-widget elementor-widget-text-editor\" data-id=\"1f909fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-columns is-layout-flex wp-container-6 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>El sistema retributivo de c\u00e1lculo de las prestaciones se consolida con la <a href=\"http:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:legge:1969-04-30;153!vig=\" target=\"_blank\" rel=\"noreferrer noopener\">Ley 30 de abril de 1969, n. 153<\/a>.<\/p><p>En el modelo retributivo, la pensi\u00f3n se calcula en base a los salarios percibidos en los \u00faltimos a\u00f1os de actividad. La sostenibilidad financiera del sistema depende, fundamentalmente, del equilibrio entre trabajadores activos y pensionistas. <\/p><\/div><\/div><div class=\"wp-block-columns is-layout-flex wp-container-9 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>A lo largo de los a\u00f1os, el constante envejecimiento de la poblaci\u00f3n italiana junto con la evoluci\u00f3n demogr\u00e1fica, han marcado la crisis del modelo retributivo, iniciando su proceso de revisi\u00f3n.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5821ae8 e-con-full e-flex e-con e-child\" data-id=\"5821ae8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-04f5c17 e-flex e-con-boxed e-con e-child\" data-id=\"04f5c17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31cbbfe elementor-widget elementor-widget-heading\" data-id=\"31cbbfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1995<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8095a4f elementor-widget elementor-widget-text-editor\" data-id=\"8095a4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La <a href=\"http:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:legge:1995-08-08;335!vig=\" target=\"_blank\" rel=\"noreferrer noopener\">Ley 8 de agosto de 1995, n. 335<\/a> de \u201creforma del sistema de pensiones obligatorio y complementario\u201d (denominada <strong>reforma Dini<\/strong>) introduce el sistema de c\u00e1lculo contributivo, disponiendo su total aplicaci\u00f3n con respecto a todos los asegurados a partir del 1 de enero de 1996.<\/p><div class=\"wp-block-columns is-layout-flex wp-container-15 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>El sistema contributivo establece una correlaci\u00f3n directa entre lo aportado y lo que el individuo percibir\u00e1. Las cotizaciones acumuladas se convierten en una renta a trav\u00e9s de coeficientes de transformaci\u00f3n calculados en funci\u00f3n de la edad de jubilaci\u00f3n y la consiguiente esperanza de vida. <\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-120cfb7 e-con-full e-flex e-con e-child\" data-id=\"120cfb7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-898289d e-flex e-con-boxed e-con e-child\" data-id=\"898289d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31ebb3d elementor-widget elementor-widget-heading\" data-id=\"31ebb3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">2012<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4307c67 elementor-widget elementor-widget-text-editor\" data-id=\"4307c67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La transici\u00f3n a este modelo se complet\u00f3 con la entrada en vigor de la <a href=\"http:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:legge:2011-12-22;214!vig=\" target=\"_blank\" rel=\"noreferrer noopener\">Ley 22 de diciembre de 2011, n. 214<\/a> (conocida como <strong>reforma Fornero<\/strong>).<\/p><p>De hecho, el sistema contributivo se ha extendido a todas las antig\u00fcedades devengadas a partir del 1 de enero de 2012, con aplicaci\u00f3n del c\u00e1lculo \u201cpro rata\u201d.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b77f30 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"9b77f30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-941101b e-flex e-con-boxed e-con e-parent\" data-id=\"941101b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-117868b e-con-full e-flex e-con e-child\" data-id=\"117868b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6595e elementor-widget elementor-widget-heading\" data-id=\"5a6595e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo simular la pensi\u00f3n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28466ac elementor-widget elementor-widget-text-editor\" data-id=\"28466ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEl INPS ofrece un servicio en l\u00ednea gratuito (<a href=\"https:\/\/serviziweb2.inps.it\/AS0207\/SimScePen2\/#top\">Pensami<\/a>) para simular la pensi\u00f3n. Este servicio permite conocer la fecha en la que se tendr\u00e1 derecho a la pensi\u00f3n, el importe estimado de la pensi\u00f3n y la <strong>tasa de sustituci\u00f3n<\/strong><sup class=\"fn\" data-fn=\"f283f52b-d7ee-4472-afb7-df4854920196\"><a id=\"f283f52b-d7ee-4472-afb7-df4854920196-link\" href=\"https:\/\/www.fondapi.it\/aderire-a-fondapi\/calcolo-della-pensione#f283f52b-d7ee-4472-afb7-df4854920196\">2<\/a><\/sup>. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b93e6b e-con-full e-flex e-con e-child\" data-id=\"2b93e6b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5b9c06b e-con-full e-flex e-con e-child\" data-id=\"5b9c06b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-9e37f7d e-con-full e-flex e-con e-child\" data-id=\"9e37f7d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-d6276e2 e-flex e-con-boxed e-con e-child\" data-id=\"d6276e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a576b3d elementor-widget elementor-widget-heading\" data-id=\"a576b3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Simulador de pensiones: <br>un recurso \u00fatil<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d689eb elementor-widget elementor-widget-text-editor\" data-id=\"2d689eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Para obtener una visi\u00f3n clara de su futuro financiero en la jubilaci\u00f3n, puede utilizar un simulador de pensiones.<\/p><p>Un simulador de pensiones es un recurso \u00fatil para los trabajadores que desean planificar su jubilaci\u00f3n de manera precisa. Puede realizar varias simulaciones para comprender c\u00f3mo var\u00edan las perspectivas seg\u00fan las opciones de inversi\u00f3n. De esta manera, estar\u00e1 mejor preparado para tomar decisiones informadas.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e68396d e-con-full e-flex e-con e-child\" data-id=\"e68396d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6481f15 e-flex e-con-boxed e-con e-child\" data-id=\"6481f15\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-078f9d0 elementor-widget elementor-widget-heading\" data-id=\"078f9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">El c\u00e1lculo de la pensi\u00f3n complementaria<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf03dd elementor-widget elementor-widget-text-editor\" data-id=\"8bf03dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El c\u00e1lculo de la pensi\u00f3n complementaria se basa en la suma de las cotizaciones realizadas por el trabajador y las cotizaciones realizadas por el empleador. Cada convenio colectivo prev\u00e9, frente a la cotizaci\u00f3n m\u00ednima del trabajador, una cotizaci\u00f3n \u00edntegra de la empresa. A este respecto, recordamos que las cotizaciones del empleador solo se deben en caso de adhesi\u00f3n a fondos de pensiones sectoriales.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06938b1 e-con-full e-flex e-con e-child\" data-id=\"06938b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-617d91d e-flex e-con-boxed e-con e-child\" data-id=\"617d91d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81fd9fc elementor-widget elementor-widget-heading\" data-id=\"81fd9fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Planificar la jubilaci\u00f3n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c77c7d elementor-widget elementor-widget-text-editor\" data-id=\"0c77c7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Es importante planificar la jubilaci\u00f3n con mucha antelaci\u00f3n, para poder tomar las decisiones correctas que garanticen un futuro tranquilo. He aqu\u00ed algunos consejos para planificar la jubilaci\u00f3n: <\/p><ul><li><strong>Calcule su pensi\u00f3n:<\/strong> el primer paso es calcular la pensi\u00f3n que recibir\u00e1 del sistema de pensiones p\u00fablico y del sistema de pensiones complementario.<\/li><\/ul><ul><li><strong>Eval\u00fae sus necesidades<\/strong>: piense en cu\u00e1nto dinero necesitar\u00e1 para vivir durante la jubilaci\u00f3n.<\/li><\/ul><ul><li><strong>Considere su situaci\u00f3n financiera<\/strong>: eval\u00fae sus ahorros y sus ingresos.<\/li><\/ul><ul><li><strong>Haga un plan de inversi\u00f3n<\/strong>: un fondo de pensiones no es la \u00fanica manera. \u00a1Pero es, con diferencia, la m\u00e1s accesible! <\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43375d9 e-con-full e-flex e-con e-child\" data-id=\"43375d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc511a elementor-widget elementor-widget-heading\" data-id=\"9dc511a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">C\u00e1lculo de la pensi\u00f3n: descubra el simulador Fondapi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a59f7c elementor-widget elementor-widget-text-editor\" data-id=\"3a59f7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El simulador de pensiones de Fondapi es una herramienta muy \u00fatil. Ofrece una amplia gama de funcionalidades para ayudar a los usuarios a planificar su futuro en la jubilaci\u00f3n de manera precisa e informada. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e06f188 elementor-widget elementor-widget-button\" data-id=\"e06f188\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale%20\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u00a1Pru\u00e9belo ahora!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home C\u00d3MO FUNCIONA \u00a1Pruebe el simulador Fondapi y descubra las ventajas de la pensi\u00f3n complementaria! La pensi\u00f3n es uno de los aspectos m\u00e1s importantes en la vida de un trabajador. Por eso es importante conocer el c\u00e1lculo de la pensi\u00f3n. De esta manera, podr\u00e1 estimar cu\u00e1nto valdr\u00e1 la mensualidad del INPS y planificar mejor su [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61074,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60888","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>C\u00e1lculo de la pensi\u00f3n - Fondapi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fondapi.it\/es\/como-funciona\/adhesion-trabajadores\/calculo-de-la-pension\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00e1lculo de la pensi\u00f3n - Fondapi\" \/>\n<meta property=\"og:description\" content=\"Home C\u00d3MO FUNCIONA \u00a1Pruebe el simulador Fondapi y descubra las ventajas de la pensi\u00f3n complementaria! La pensi\u00f3n es uno de los aspectos m\u00e1s importantes en la vida de un trabajador. Por eso es importante conocer el c\u00e1lculo de la pensi\u00f3n. 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