Calculate your estimated life expectancy

With medical advances and improved lifestyles, the average life expectancy in the United States is on the rise.* Use this life expectancy calculator to help determine how many years you may need to plan for in retirement or how many years you may need to provide income to a surviving spouse or children.<p></p>* Source: National Association of Insurance Commissioners, 2016

Assumptions

Gender ?

Male Female

Used to apply the appropriate actuarial life expectancy averages.

Current age ?

Your age today, in years.

Enter your values and select Calculate.

The figures above come from population averages for your gender and current age, not from anything about your personal health, family history, or lifestyle. Think of them as a starting point for planning, not a prediction of what will actually happen to you.

The two inputs that move this result are your current age and gender, since the underlying data is organized by those two factors alone. Changing either one shifts both the estimated age at death and the years remaining, so it's worth trying a few nearby ages to see how sensitive the number is.

What this estimate leaves out matters: it has no information on your health conditions, habits, occupation, family longevity, or medical advances that may extend life expectancy over time. It also can't account for accidents or events that shorten or lengthen any individual life. Treat the output as a rough planning horizon, not a countdown.

Many people use a number like this to sanity-check retirement savings targets, insurance coverage, or the length of a drawdown plan. It's worth revisiting every few years, or whenever your age bracket changes meaningfully, and pairing it with a financial advisor's guidance rather than relying on it alone. Having a working estimate at all puts you ahead of planning with no horizon in mind.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.