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Life Expectancy CalculatorEnter your age and sex. See your remaining life expectancy, a planning age, and your odds of reaching 80, 85, 90, and 95.

Your numbers

Whole years.
As defined by the SSA table this calculator uses.
Used only for the years-in-retirement note below.
Remaining life expectancy
calculating...
Average additional years from your current age, per the SSA table.
Planning age
calculating...
Current age plus remaining life expectancy, rounded to the nearest year.
AgeOdds you reach it, from today
80calculating...
85calculating...
90calculating...
95calculating...
Run the numbers above to see your own result.
Take your planning age into a full retirement stress test. Your planning age above is a good starting horizon for the Will I Outlive My Money? stress test, which checks your savings against a bear market, a long life, and a medical event, not just the average.
Stress-test my retirement to this age →

This is the average across everyone of your exact age and sex in the underlying table, not a prediction for you personally. Roughly half of people who reach a given age go on to live longer than that age's average remaining years, which is one reason planners size a retirement plan to a planning age instead of stopping at the average. See also the Retirement Withdrawal Calculator, the 401(k) Contribution Calculator, and the Social Security Break-Even Calculator to put this planning age to work.

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How this is calculated

Reviewed by the FigureNerd retirement-planning team. Based on the Social Security Administration's own period life table. About FigureNerd →

  • Remaining life expectancy: read directly from the SSA period life table for your exact age and sex. Source: Social Security Administration, Period Life Table, 2023 (as used in the 2026 Trustees Report), opened 2026-09-25.
  • Planning age: your current age plus the table's remaining life expectancy at that age, rounded to the nearest year.
  • Odds of reaching 80, 85, 90, and 95: the table's "number surviving out of 100,000 births" column at the target age, divided by the same column at your current age. If you are already at or past a target age, that age shows 100%.
  • This is an educational estimation tool built from the SSA's own published mortality table, not medical or individual life-expectancy advice. It shows an average outcome for people who share your age and sex, not a prediction of your own lifespan.

Common questions

How accurate is a life expectancy calculator?

It shows an average across everyone of your exact age and sex in the underlying table, not a prediction for you personally. Your own family history, health, and lifestyle can move your real outcome well above or below the average. That is exactly why financial planners size a retirement plan to a planning age beyond the average, and why this calculator also shows your odds of reaching 80, 85, 90, and 95, not just a single number.

What is a retirement planning age?

A planning age is the age you size your savings, Social Security claiming decision, and withdrawal rate to reach, rather than stopping your plan at your average life expectancy. Since roughly half of people who reach a given age go on to live longer than that age's average remaining years, planning only to the average leaves a real chance of outliving your money. Many planners use age 90 or 95 as a planning age for exactly this reason.

What table does this calculator use?

The Social Security Administration's period life table, the same table SSA uses in its own Trustees Report, broken out by exact age and sex. It gives, for each age, the probability of dying within that year, the number of an original 100,000 births still alive at that age, and the average remaining years of life.

Is this the same as the SSA's own life expectancy calculator?

It uses the same underlying SSA period life table SSA's own calculator is built on, plus two things SSA's version does not show: your odds of reaching several specific ages, and a one-click hand-off into a full retirement stress test.