Massachusetts Group 1 Pension Calculator
Group 1 includes general employees, teachers, clerical workers, and most state workers. If you're not in a hazardous duty position, you're likely in Group 1.
60
Min. Retirement Age
10+
Years of Service
2.0% - 2.5%
Benefit Multiplier
80%
Max Benefit Cap
Group 1 Eligibility Requirements
Group 1 members can retire at age 60 with at least 10 years of creditable service, or at age 65 with any amount of service. The benefit multiplier ranges from 2.0% at age 60 to 2.5% at age 65.
Start Your Next Chapter at 60
5 years before traditional retirement
Retire at 60 with just 10 years of service—gaining 5 years of freedom before traditional retirement age. Use this time for travel, family, or a passion project.
60
Min. Age
10+
Years Req.
2%
At Min. Age
Multiplier by Retirement Age:
Age 60
Age 62
Age 65
đź’ˇ Your multiplier is 2.0% at 60 vs. 2.5% at 65. Each year you wait adds 0.1% to your multiplier.
How Group 1 Benefits Are Calculated
Average Salary
Your pension is based on the average of your highest 3 consecutive years of salary (or 5 years if hired after 2012).
Benefit Factor
Multiply by the Group 1 benefit factor (2.0% - 2.5% per year of service based on retirement age).
Apply Cap
Your benefit is capped at 80% of your average salary. Option B/C survivor benefits reduce this further.
Essential Retirement Guides
Complete Guide to MA Retirement Groups
Understand the differences between Groups 1-4 and find your classification
Pension Options A, B, C Explained
Compare survivor benefits and choose the right option for you
COLA 2026 Guide
How the 3% COLA on first $13,000 affects your pension