Regular or RetirementPlus


Use the estimator for your membership tier. If you use the wrong estimator, you will not receive an accurate estimate, as Tier 1 and Tier 2 benefits are structured differently.

Know what to do—and when—with this interactive timeline and checklist
See Apply for retirement

Pension Reform III, effective November 16, 2011, created a new benefit structure for individuals who became members of Massachusetts public retirement systems on or after April 2, 2012. Because benefits are now based, in part, on an individual’s membership date, the MTRS distinguishes between two “Membership Tiers.”

Below are our two “retirement percentage” charts, which provide a comparison of the percentage of salary average allowed under the regular and RetirementPlus formulas, by service and age, for each Membership Tier.