Massachusetts Group 2 Pension Calculator
Group 2 covers probation officers, court officers, and certain public safety positions with enhanced retirement eligibility starting at age 55.
55
Min. Retirement Age
10+
Years of Service
2.0% - 2.5%
Benefit Multiplier
80%
Max Benefit Cap
Group 2 Eligibility Requirements
Group 2 members can retire at age 55 with at least 10 years of creditable service. The benefit multiplier ranges from 2.0% at age 55 to 2.5% at age 60, providing earlier retirement than Group 1.
A Decade of Freedom
Retire 10 years before most Americans
Probation and court officers can retire at 55—a full decade before traditional retirement. That's 10 years to travel, spend with family, or pursue new opportunities.
55
Min. Age
10+
Years Req.
2%
At Min. Age
Multiplier by Retirement Age:
Age 55
Age 57
Age 60
💡 Your multiplier is 2.0% at 55 vs. 2.5% at 60. The 5-year wait increases your multiplier by 0.5%.
How Group 2 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 2 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