A life expectancy calculator estimates how many more years you’re likely to live from your age and sex, and sometimes your health and habits. In the Social Security Administration’s latest life table, a 65-year-old man lives to about 83 on average and a 65-year-old woman to about 86. More than half live longer.
That last point matters most for retirement. A plan that ends at the average age leaves better-than-even odds you’ll still be here after it runs out. The calculator below shows your own odds, and the 10 tools after it add your health history.
How Long Will You Live? Check Your Odds
Enter your age and sex. Add a spouse or partner to see how long a plan for two needs to last.
The end age in your plan is one of its biggest assumptions. In the Boldin Planner, set it to 95 or 100 and check whether your savings, Social Security, and spending still hold up.
What Is the Average Life Expectancy in the U.S.?
U.S. life expectancy at birth was 79 years in 2024, according to the CDC. If you’ve already reached 65, the average is longer: about 83 for men and 86 for women in SSA’s 2023 life table.
| Current age | Men: average age at death | Women: average age at death |
|---|---|---|
| 50 | 79.9 | 83.5 |
| 55 | 80.7 | 84.0 |
| 60 | 81.8 | 84.7 |
| 65 | 83.1 | 85.7 |
| 70 | 84.7 | 86.8 |
| 75 | 86.4 | 88.1 |
| 80 | 88.5 | 89.8 |
| 85 | 91.0 | 92.0 |
Source: Social Security Administration, Actuarial Life Table (2023 period life table, used in the 2026 Trustees Report). Boldin calculation: current age plus SSA’s remaining life expectancy.
Your expected age at death rises as you get older. By 75, you’ve already cleared risks that cut some lives short, so the average for your age group moves later. A man who reaches 85 averages about 91, and a woman about 92.
At birth, women’s life expectancy in 2024 was 81.4 years and men’s was 76.5, according to the same CDC report. Life expectancy for the whole population rose 0.6 year from 2023.
What Are Your Odds of Living to 90 or 100?
A 65-year-old woman has about a 35% chance of reaching 90, and a 65-year-old man about 24%. For a 65-year-old couple, the chance at least one of them reaches 90 is about 51%.
| Current age | Reach 85 (men / women) | Reach 90 (men / women) | Reach 95 (men / women) | Reach 100 (men / women) |
|---|---|---|---|---|
| 55 | 40% / 53% | 22% / 33% | 7% / 13% | 1% / 3% |
| 60 | 42% / 54% | 23% / 33% | 7% / 14% | 1% / 3% |
| 65 | 45% / 57% | 24% / 35% | 8% / 14% | 1% / 3% |
| 70 | 49% / 60% | 27% / 37% | 9% / 15% | 1% / 3% |
| 75 | 57% / 66% | 30% / 41% | 10% / 17% | 2% / 4% |
Source: Boldin calculation from the Social Security Administration’s 2023 period life table.
Couples need their money to last as long as either partner. For a man and a woman who are both 65, the odds that at least one is still alive are about even at 90. They fall to 1 in 4 at 94. That’s why a retirement plan for two runs longer than either partner’s life expectancy.
At 65, a man has a 1 in 4 chance of reaching 90, and a woman has the same chance of reaching 92. An end age in that range or later can stretch retirement past 25 years.
These odds come from a table of the whole U.S. population. Good health and long-lived parents can push your own odds higher, and that’s where the tools below come in.
How Do Life Expectancy Calculators Work?
Life expectancy calculators compare you with large groups of people like you, using mortality tables or long-running health studies. They return an average age or a range of ages with odds attached.
Population tools, like SSA’s and the one above, use only age and sex. Personalized tools add your health, habits, and family history, which can move your estimate by years in either direction.
The type of table matters too. A period life table, like the one behind our calculator, uses death rates from a single year. A cohort table follows people born in the same year and builds in expected gains in longevity, so it tends to show longer lives. That’s one reason results differ from tool to tool.
General calculators estimate how long you’ll live. Medical calculators focus on one condition, such as heart failure or stroke, and are often built for clinical use.
What Are the 10 Most Accurate Life Expectancy Calculators?
The 10 calculators below range from Living to 100’s 40-question assessment to SSA’s two-question baseline. More questions tend to mean a more personal estimate. All but AARP’s test are free to start, though some ask you to sign up to see full results.
Living to 100
The Living to 100 calculator is built on the New England Centenarian Study, a long-running study of people who reach 100. It asks 40 questions about your health, habits, and family history and takes about 10 minutes. For each answer, it explains how that factor affects longevity.
Best for: People who want the most thorough estimate and a breakdown of what drives it.
Blue Zones True Vitality Test
The True Vitality Test draws on Blue Zones research into the places where people live the longest. It was built with the University of Minnesota School of Public Health and asks about diet, friendships, and daily habits alongside basic health questions. It takes about three minutes.
Best for: People curious about how social ties and surroundings shape longevity.
Blueprint Income (Wharton) Life Expectancy Calculator
Blueprint Income’s calculator was led by Professor Dean Foster while he was at the Wharton School. It’s built on NIH-AARP Diet and Health Study data covering about 550,000 people. It returns one expected age and notes you have about a 50% chance of living longer.
Best for: A research-based estimate without a long questionnaire.
Actuaries Longevity Illustrator
The American Academy of Actuaries and the Society of Actuaries built the Longevity Illustrator as an educational tool. It shows your probability of living to different ages, and it can do the same for you and a spouse or partner together.
Best for: Couples who want joint odds from an actuarial source.
Northwestern Mutual LifeSpan Calculator
Northwestern Mutual’s LifeSpan Calculator updates your estimate after each of its 13 questions. You see how smoking, exercise, weight, and other habits shift the number as you go.
Best for: Seeing how single habits change the result.
John Hancock Life Expectancy Calculator
John Hancock’s calculator adds questions about blood pressure and cholesterol to the usual lifestyle and family questions. If you’ve had a recent checkup, those answers can change your estimate.
Best for: People with recent health screening results.
Project Big Life Calculator
Project Big Life asks how much exercise you get at different intensities and how many fruits and vegetables you eat. It’s built on Canadian health survey data, so results may differ for U.S. readers who give the same answers.
Best for: People who track their activity and diet in detail.
Health Life Expectancy Calculator, Goldenson Center at UConn
UConn’s Goldenson Center calculator asks 14 questions and splits your result into healthy, unhealthy, and total life expectancy. That split helps you estimate how many retirement years may be active ones and when care costs may rise.
Best for: Planning active years and later-life care costs as two phases.
AARP Biological Age Test
AARP’s Biological Age Test, published in April 2026, is a short quiz you score yourself. It asks about walking pace, diet, stress, and outlook, then gives you a biological age to compare with your actual age. It’s open to AARP members only.
Best for: AARP members who want a quick read on how habits affect aging.
SSA Life Expectancy Calculator
The Social Security Administration’s calculator asks only for your sex and date of birth and returns the average number of years you have left. It gives you a quick, official baseline to hold up against the more detailed tools above.
Best for: Anyone who wants a fast government baseline.
Quick Reference: 10 Most Accurate Life Expectancy Calculators
| # | Calculator | Data source | Key feature | Best for |
|---|---|---|---|---|
| 1 | Living to 100 | New England Centenarian Study | 40 questions with factor-by-factor feedback | The most thorough estimate |
| 2 | Blue Zones True Vitality Test | Blue Zones research, with the University of Minnesota | Diet, friendships, and daily habits | Lifestyle and social factors |
| 3 | Blueprint Income (Wharton) | NIH-AARP Diet and Health Study | One expected age from data on about 550,000 people | A research-based estimate with few questions |
| 4 | Actuaries Longevity Illustrator | American Academy of Actuaries and Society of Actuaries | Odds of reaching each age, including for couples | Couples planning retirement income |
| 5 | LifeSpan (Northwestern Mutual) | Actuarial and lifestyle data | Estimate updates after each of 13 questions | Seeing how habits change the result |
| 6 | John Hancock | Clinical and lifestyle questions | Blood pressure and cholesterol inputs | People with recent screening results |
| 7 | Project Big Life | Canadian health survey data | Detailed exercise and diet questions | Close trackers of activity and diet |
| 8 | UConn Goldenson Center | Health and lifestyle factors | Healthy, unhealthy, and total years | Planning active years and care costs |
| 9 | AARP Biological Age Test | AARP (April 2026) | Self-scored biological age | AARP members |
| 10 | SSA Life Expectancy Calculator | SSA actuarial data | Sex and date of birth only | A quick government baseline |
How Do You Choose the Right Life Expectancy Calculator?
Pick the tool that fits your question. For a quick baseline, use SSA’s calculator or the one at the top of this page. For a personal estimate, Living to 100 or the Blue Zones test goes deeper into health and habits.
For retirement planning, look for odds across a range of ages. The Actuaries Longevity Illustrator and the calculator above both show them, and a plan has to hold up whether you live to 85 or 100.
Which Calculators Work for Specific Health Conditions?
Condition-specific calculators cover heart failure, stroke, heart disease, breast cancer, and prediabetes risk. Each one focuses on a single condition, so it goes further than a general calculator when you have a diagnosis. Use them alongside your doctor’s advice, since most are built to support a clinical conversation.
- Seattle Heart Failure Model
- Stroke Risk Calculator for People With Atrial Fibrillation, American College of Emergency Physicians
- Stroke Risk Assessment, American Stroke Association
- Heart Disease Calculators, Calculators.org
- Breast Cancer Risk Assessment Tool, National Cancer Institute
- Prediabetes Risk Test, CDC
What Is the Most Accurate Life Expectancy Calculator?
No calculator is proven most accurate, but Living to 100 is the most thorough general-use tool. It asks 40 questions and explains how each answer moves your result. Blueprint Income’s Wharton-built tool draws on the large NIH-AARP health study.
Population tables like SSA’s use only age and sex, and personalized tools add the factors those tables can’t see. Running two or three and seeing where they agree gives you a sturdier number than any one alone.
How Does Life Expectancy Shape Your Retirement Plan?
Your retirement plan needs to run past your life expectancy, because more than half of people outlive it. Longevity risk is the chance you outlive your savings, and planning to the average leaves that risk wide open.
Run your plan to two end ages
Build one version to 85 and another to 95 or 100. The gap between them shows how much flexibility you have and where the pressure falls, such as late-life healthcare or long-term care. Those costs climb in later retirement and are a common reason people run short of money.
A Monte Carlo simulation adds market ups and downs to each version, so you can see how often each one holds up.
Guaranteed income covers the years you can’t predict
Income that lasts as long as you do is the most direct hedge against a long life. Social Security works that way, so delaying your claim raises a check you’ll collect for life. A lifetime annuity can add more guaranteed income if an income floor fits your plan.
Your claiming age depends on how long you live
The longer you live, the more delaying Social Security pays off. For anyone born in 1960 or later, claiming at 70 overtakes claiming at 62 around age 80, whatever the benefit amount. If your odds of passing 80 look good, waiting often comes out ahead.
Update your estimate when your health changes
Revisit your longevity estimate once a year and after any major health change, such as a new diagnosis or surgery. A shorter or longer horizon changes how much you can spend, when to claim, and how much risk your plan carries.
Frequently Asked Questions About Life Expectancy Calculators
What is a life expectancy calculator?
A life expectancy calculator is a tool that estimates how many more years a person is likely to live. Simple versions use only age and sex and draw on national mortality tables. Detailed versions add health conditions, lifestyle, and family background, and some show the odds of reaching several ages.
What does the Social Security life expectancy calculator show?
The Social Security Administration’s life expectancy calculator shows the average number of additional years a person can expect to live, based only on sex and date of birth. It gives a population baseline from SSA’s actuarial data. Health, habits, and family history aren’t part of the result, so personalized calculators can land years higher or lower.
What is the life expectancy of a 65-year-old in the U.S.?
Life expectancy at 65 in the U.S. is about 18.1 more years for men and 20.7 for women in the Social Security Administration’s 2023 life table, which feeds its long-range forecasts. The CDC’s 2024 figures are close, at 18.4 years for men and 20.8 for women. Either estimate points to a retirement that can run past 20 years.
What are the odds of living to 90?
The odds of living to 90 depend on your age and sex. Among 65-year-olds in SSA’s life table, about one woman in three and one man in four reach 90. At 75, the odds rise to 41% for women and 30% for men. For a married man and woman both 65, at least one reaches 90 about half the time.
Is there a life expectancy calculator based on medical history?
The Living to 100 calculator goes furthest into medical history among general-use life expectancy calculators, with questions on health conditions and family health. John Hancock’s tool adds blood pressure and cholesterol. People managing one condition can use focused tools, such as the Seattle Heart Failure Model or the National Cancer Institute’s Breast Cancer Risk Assessment Tool.
What age should I plan to live to in retirement?
A retirement plan’s end age works best when you’re unlikely to outlive it. In SSA’s life table, 10% of 65-year-old men live to 94, and 10% of women live to about 96. An end age of 95 or later covers most single retirees. Couples need a later end age, since the money has to last for the longer-lived spouse.
Is U.S. life expectancy going up?
U.S. life expectancy at birth rose to 79.0 years in 2024, up 0.6 year from 2023, according to the CDC’s National Center for Health Statistics. The gain follows a sharp drop during the COVID-19 pandemic, and the 2024 figure is above the pre-pandemic level. Women’s life expectancy at birth reached 81.4 years and men’s reached 76.5.
How does life expectancy affect when to claim Social Security?
Life expectancy shapes the Social Security claiming decision because a later claim pays a larger check for life. For people born in 1960 or later, waiting from 62 to 67 pays off after about age 79, and waiting from 67 to 70 pays off after about 82.5. Most 65-year-olds reach 80: about 64% of men and 74% of women.
