Massachusetts Pension Calculator

Enter your information below to estimate your pension benefits and determine the optimal time to retire. Our calculator uses the official Massachusetts retirement system formulas.

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Are you a public school teacher? Use the MTRS Teacher Retirement Calculator — it includes the RetirementPlus bonus.

Calculate by Retirement Group

Get group-specific information and optimized calculations for your specific classification

Group 1

General Employees

Group 2

Probation, Court

Group 3

State Police

Group 4

Police, Fire

Related Resources

Retirement Groups

Learn about Groups 1-4 and their benefit factors

COLA Information

Understand cost of living adjustments

Pension Options

Compare Options A, B, and C

Social Security

WEP/GPO elimination benefits

Essential Retirement Guides

COLA

Massachusetts COLA 2026 Guide

Everything about the 3% COLA on the first $13,000 and how it affects your pension

Read Guide

Options

Pension Options A, B, C Guide

Compare survivor benefits and choose the right option for your situation

Read Guide

Planning

Retirement Planning Timeline

Year-by-year checklist from 5 years before retirement to your last day

Read Guide

View All Retirement Guides

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