Life Expectancy
This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
How the life expectancy calculator works
It looks up the average additional years of life for your age and sex in U.S. period life tables and adds them to your current age, giving an estimated life expectancy to anchor retirement and insurance planning.
Worked example: with your current age of 40, the life expectancy calculator shows estimated life expectancy of 76.6 years.
- Current age
- 40
- Years remaining
- 36.6
- Expected age
- 76.6
- Plan retirement to
- 80+
The formula
Estimated life expectancy = current age + average remaining years from the actuarial table for your age and sex.
Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.
Questions about the life expectancy
How is life expectancy calculated?
From actuarial life tables that record, for a large population, the average number of additional years people of each age and sex live. The calculator adds that to your current age.
Why does life expectancy matter for planning?
It guides how long your retirement savings must last and how much life or long-term-care insurance you need. Planning to outlive the average is the safe approach.
How accurate is this for me personally?
It is a population average, not a personal prediction. Your own outlook depends heavily on health, lifestyle, family history and medical care — treat it as a planning baseline.
Is the Life Expectancy free to use?
Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.