How to Say "pensioner" in Spanish
The most common Spanish word for “pensioner” is “jubilado” — use 'jubilado' when you specifically want to refer to a person who is receiving a retirement pension, as it's the most common and direct noun for this meaning.
jubilado
hoo-bee-LAH-dohxuβiˈlaðo

Examples
Mi vecino es un jubilado muy activo.
My neighbor is a very active retiree.
Hay un descuento especial para jubilados.
There is a special discount for retirees.
El jubilado paseaba por el parque todas las mañanas.
The retiree walked through the park every morning.
Los jubilados se manifestaron para pedir mejores pensiones.
The retirees demonstrated to ask for better pensions.
Noun/Adjective overlap
In Spanish, you can turn many adjectives into nouns by just adding an article (the). So, 'un jubilado' is 'a retired person' or 'a retiree'.
Avoid using 'jubilado' for military
Mistake: “Calling a retired soldier 'un jubilado'.”
Correction: In the military or professional sports, people usually prefer 'retirado'.
retirado
reh-tee-RAH-dohretiˈraðo

Examples
Los retirados suelen disfrutar de tarifas reducidas.
Retirees usually enjoy reduced fares.
Mi abuelo es un hombre felizmente retirado.
My grandfather is a happily retired man.
Ella está retirada desde hace cinco años.
She has been retired for five years.
Los profesores retirados organizaron un viaje.
The retired teachers organized a trip.
Agreement is Key
Like many Spanish adjectives, 'retirado' must match the person it describes in both gender (o/a) and number (s/es). If you describe a woman, use 'retirada'.
Adjective to Noun
In Spanish, it's very common to take an adjective (like 'retired') and use it as a noun to mean 'the person who is that way' (the retiree). The feminine form is 'la retirada'.
retirado
reh-tee-RAH-dohretiˈraðo

Examples
Él es un escritor retirado que vive en el campo.
He is a retired writer who lives in the countryside.
Mi abuelo es un hombre felizmente retirado.
My grandfather is a happily retired man.
Ella está retirada desde hace cinco años.
She has been retired for five years.
Los profesores retirados organizaron un viaje.
The retired teachers organized a trip.
Agreement is Key
Like many Spanish adjectives, 'retirado' must match the person it describes in both gender (o/a) and number (s/es). If you describe a woman, use 'retirada'.
Adjective to Noun
In Spanish, it's very common to take an adjective (like 'retired') and use it as a noun to mean 'the person who is that way' (the retiree). The feminine form is 'la retirada'.
Choosing between 'jubilado' and 'retirado'
Related Translations
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