MTRS Pension Calculator

Massachusetts Teachers’ Retirement System (MTRS) Pension Benefit Calculator, Tier 1 AND Tier 2


This free, online Massachusetts Teachers’ Retirement System calculator gives you an estimate of your MTRS pension retirement benefits based on the information you input about your salary, years of service, and retirement age and date, and it works for both Tier 1 and Tier 2 members. It takes into account whether you are a RetirementPlus participant or a military veteran. The MTRS emphasizes that the formulas used in calculators such as these give approximations or estimations of retirement benefits. Actual retirement benefits will be determined by MTRS at the time of retirement. To see how pensions are divided in divorce, see this page  and consider divorce mediation with pension expert Attorney Julia Rueschemeyer.


You may find this calculator easier to use than other MTRS calculators because this calculator:

  • figures out the Option C participant and beneficiary “closest age” automatically, rather than giving you confusing diagrams and instructions where you are likely to make mistakes;
  • does not make you re-enter all your data after you view the results and want to change a single field; and
  • allows you to see, side-by-side, what your retirement benefits would be with and without purchased service.


In addition, this calculator will soon produce a chart that shows you the effects of the COLA (3% of the first $13,000) and inflation on each annual benefit until you are 95 years old.


Choose between the Tier 1 calculator and the Tier 2 calculator below. Tier 1 members have membership dates before April 2, 2012. Tier 2 members have dates on or after April 2, 2012. These calculators will not produce estimates for disability, termination, or MA “Special Spousal” benefits.


You can learn more about MTRS retirement at the state site.