Massachusetts State Police Pension Calculator

Massachusetts State Police Pension Calculator


This free, online Massachusetts State Police calculator gives you an estimate of your State Police (SERS Group 3) pension retirement benefits (including interactions of inflation and your COLA) based on the information you input about your salary, years of service, and predicted retirement  date. It is the only calculator in existence for calculating your pension benefits.


It works for participants hired before April 2, 2012 as well as participants hired on or after April 2, 2012.  It takes into account whether you are a military veteran, and it allows you to take into account how your benefits might change if you decide to purchase years of service based on your military service. This calculator shows you the combined effects of your SERS cost-of-living-adjustments (COLA)–3% of the first $13,000–and inflation on your annual pension benefits over time. If you prefer to do calculations by hand, you can use information from the State Police Retirement Percentage Chart to do so.


The Massachusetts State Retirement Board emphasizes that  calculators such as this give approximations or estimations of retirement benefits. Actual retirement benefits can only be determined by MA SERS at the time of retirement.


To see how marital property is divided in divorce, see this page. There are particularly complicated rules for dividing MA state employee (MTRS and SERS) pensions. You can read a very thorough description of how MA state pensions are treated in divorce here.


You can see actual dollar figures when MA SERS (Group 1, 2, 4) or MTRS pensions are divided in divorce with this unique MA state pension division calculator.


If you need to divide your MA State Police pension for divorce, you will need  a DRO (Domestic Relations Order).  Finally, you can see how much your pension is worth today as a lump sum, by doing a present value calculation. Because State Police hired before April 2, 2012 are able to retire at any age, as long as they have 20 years of service, the present values of their pensions can easily exceed $1,000,000.



How Your COLA and Inflation Will Affect Your Annual Benefit Over Time


You may find this calculator valuable for financial planning because it includes calculations showing the value of your projected MA SERS State Police (Group 3) pension in today’s dollars for each year until you reach age 100. The MA SERS COLA–3% of the first $13,000–only protects the first $13,000 of your pension from inflation each year. The rest of your pension will lose value quickly because of inflation.


You can do your own calculations below and download your own .pdf report showing the year-by-year effects of COLA and inflation on your future annual pension benefits. You can change the projected inflation rate, if you like, and you can choose which of the possible annual pension benefit amounts (i.e., Option A, B, or C) you would like it to calculate.


This calculator will not produce estimates for disability, termination, or MA “Special Spousal” benefits. You can read the actual text of the MA laws governing State Police pensions here (MA Generals Laws, Chapter 32, Section 6).