Minimum living income overpayments in 2026
Independent, non-governmental site
Enter how much you are being asked to repay for one year and whether a child lives in your household: see the repayable part and the part the law leaves out.
What the INSS can claim back
€491
the part up to €409 in the year is not claimed
| Overpaid | €900 |
| Non-claimable threshold (65% of the monthly PNC) | €409 |
We take the 2026 PNC monthly payment over 14 instalments (€628.80) as the monthly amount. The law says no more; if the INSS used one twelfth (€733.60), the threshold would be €477.
Prepared by Radif Partners · Method · Rules read in the BOE and on the Social Security site on 1 November 2026
An overpayment arises when the INSS finds, usually when settling with tax data, that the household received more IMV than it was due: because actual income was higher, because someone moved in or out without it being reported, or because the provisional amount was worked out on incomplete data. Law 19/2021 requires it to be repaid, with one important exception. If at least one child lives in the household, amounts up to 65% of the monthly non-contributory pension are not claimed in each financial year, and above that only the difference is claimed. With the 2026 payment of €628.80, that allowance is €408.72 a year. A family with children asked to repay €1,200 for one year would return €791.28; without children, the whole sum. The debt can be paid in one go, deferred on request or offset against part of the future IMV payments, and it is worth checking the calculation before paying.
Where overpayments come from
The IMV is paid on an income snapshot that is always out of date. This year’s amount is based on last year’s income and updated twice: once provisionally with the tax data available and once definitively with effect from 1 January. When the final figure comes out lower, everything overpaid during the year becomes a debt. On top of that come changes not reported within 30 days: a new job, a pension awarded to another member or a move.
Article 19 of Law 19/2021 makes everyone involved in a fraudulent claim jointly liable and applies the general Social Security recovery procedure. Its paragraph 3, though, adds a protection for families with children that other benefits do not have.
The part you do not repay
With at least one child in the household on the date the change takes effect, amounts up to 65% of the monthly non-contributory pension are not claimed in each financial year. If the debt is larger, the INSS claims only the difference. We take as the monthly amount the 2026 payment over fourteen instalments published by Imserso, €628.80, giving an allowance of €408.72. The law does not say whether it means that payment or one twelfth of the yearly amount; on the second reading the allowance would be €476.84. The tool shows both figures.
| Claimed for the year | With children | Without children |
|---|---|---|
| €300 | €0.00 | €300 |
| €600 | €191.28 | €600 |
| €1,200 | €791.28 | €1,200 |
| €2,500 | €2,091.28 | €2,500 |
What can be claimed from you
What the INSS can claim back
€491
| Overpaid | €900 |
| Non-claimable threshold (65% of the monthly PNC) | €409 |
Keeping it from happening again
Three habits cut the risk. Report every change in the household or in income on time, through the Social Security website. If you have found work, rely on the employment incentive, which leaves part of the pay rise out and avoids nasty surprises at the review. And if the IMV came through sudden hardship, declare this year’s income carefully, because that amount is provisional by design and is always settled later.