Retirement planning

Three ways to estimate your retirement allowance, in rough order of accuracy:

1. Your member portal

Your board's member portal would normally appear here. Once your administrator configures the portal URL in admin settings, members will be able to model their specific service history, salary, and group classification against the actual data we and PERAC have on file.

2. Mass.gov pension calculator

A no-login public calculator at mass.gov. Quick and decent for a rough cut, but it doesn't know your specific service history — you enter the inputs yourself, so the answer is only as accurate as what you put in.

3. Talk to us

Contact your board office directly for a personalized retirement consultation. We recommend doing this about five years before your planned retirement so there's time to address any service gaps or buyback opportunities.

The final calculation is done at retirement, after the board verifies your full service record and 3-year average salary with PERAC.