Title: Middlesex Group 4 pension calculator | MoneyBadger
URL: https://moneybadger.us/middlesex-retirement/
Description: Model a Massachusetts c.32 Group 4 allowance by age and creditable service, on the statute's own factor schedules. For firefighters and law enforcement in the Middlesex County Retirement System. Educational, not investment advice.

Middlesex County Retirement System

# What your Group 4 pension pays

Massachusetts public safety retirement, for firefighters and law enforcement in the towns and districts inside the Middlesex system. Your allowance is a percentage of your final average salary, and the percentage comes from your age and your creditable service.

An example

Locked until you create a free account. No card.

On or after 2 April 2012.

yrs

$

Regular compensation only. Overtime and detail work do not count.

An example

Alex · 2015 membership · age 55 · 25 years · $95,000 five-year average

$52,250

estimated annual Group 4 pension

Alex's numbers, not yours. This is a rough statutory illustration, not a board estimate.

Make your money work for the life you want. A free account is where it starts: paying down what you owe, building savings that hold, and understanding your own money well enough that it works for you.

Run it with your own numbers, and the whole breakdown comes with it: every line, what it is, and what it does to your month.

Free account, no card. Snap your first stub after and your plan is saved to your account.

## What this estimate knows, and what it does not

A calculator, not advice, and not a benefit estimate from your board. Your creditable service, your membership date and which of your pay lines count as regular compensation are the retirement board's determinations, and only Middlesex can give you an official figure. Overtime and detail work are not regular compensation and are left out here.

**Chelmsford Fire: Based on the latest agreement available.** The latest published Chelmsford Fire agreement ran through June 30, 2025. A successor agreement was not yet published when we last checked. This public calculator uses the final average regular compensation you enter; it does not decide which of your pay lines the retirement board will count.

Sources, as published: M.G.L. c.32 s.5(2)(a) and s.5(2)(c), as amended by section 16 of chapter 176 of the Acts of 2011; Group 4 classification under c.32 s.3(2)(g); the Public Employee Retirement Administration Commission's benefit rate charts, published 1 July 2015; and the Middlesex County Retirement System Group 4 charts. Where the system's printed chart and the statute disagree at age 56 on the 30-year schedule, this calculator follows the statute.

Educational, not investment advice.

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