Life expectancy calculator

How to use it

Enter your age in whole years and choose male or female. The Social Security table is published separately for men and women, so the sex setting changes the result. The tool then shows:

• The average number of years left at your age, and the age that adds up to.
• The age that half of people your age will live past.
• A bar for each milestone age above yours (70, 75, 80, 85, 90, 95 and 100) giving the chance of reaching it.

How the math works

The tool reads two columns from the table for each age. One is life expectancy, the average years remaining. The other is the probability of dying within the next year. The probabilities give the rest:

• Chance of surviving one year = 1 − the probability of dying that year.
• Chance of reaching a later age = the product of those yearly survival chances, from your age up to the milestone.
• The "half live past" age is the first age at which that running product falls to 50% or below.

Hypothetical example: a 45-year-old man. The table gives 34.21 years of average remaining life, so about age 79. The tool says half of men that age live past 82. The chance of reaching 80 is about 55%, of reaching 90 about 20%, and of reaching 100 about 1%. For a 45-year-old woman the average is 38.01 years, about age 83, half reach 86, and the chance of reaching 90 is about 32%.

What it assumes

• The data is the Social Security Administration's 2023 period life table, used in the 2026 Trustees Report, for the U.S. population.
• A period table applies one year's death rates to every future age. It assumes no change in mortality as time passes.
• Your age is rounded to a whole number, and ages from 0 to 119 are covered.
• Nothing about your health, habits or family history enters the calculation.

Where it stops being right

• These are population averages, not a forecast for you. The population includes people who could never qualify for life insurance. Applicants who pass underwriting tend to be healthier than average, and their rates reflect that.
• Mortality has usually improved over time, so a period table tends to understate how long people alive today will live. See mortality improvement and the mortality trends and how they move life insurance prices guide.
• Insurers do not set premiums from this table. They rely on their own claims experience, underwriting and your rate class, and use industry tables such as the CSO mortality table for regulatory calculations.
• An average is not a typical outcome. The spread between the average and the age that half reach shows how wide the range is.

To see what these odds mean for a term policy, use the odds of outliving your term. For lifetime income, see the annuity payout calculator, which uses the same table.