How long am I likely to live?

See a range for how long you might live and whether your plan age is long enough.

Your inputs

About this calculator

See a planning range for how long you might live. Enter your best estimates for age, health, and lifestyle—not a medical diagnosis.

Your information

Enter your best estimates below.

Demographics

Your age today.
Women on average live longer than men in national tables.
When you plan to stop working — used for years in retirement.
Used with gender in life-table math.

Health

Weight relative to height — very high or low weight affects estimates.
Regular movement is linked to longer life in studies.
Smoking sharply lowers expected lifespan.
Ongoing serious conditions lower the estimate.

Family history

How long your parents lived suggests genetic tendency.
Major family diseases can lower the estimate.

Lifestyle

Strong social ties are linked to better health outcomes.

How we run the estimate

Your answers above personalize the curve. The statistical starting point and limits below do not change.

Starting point
Published life expectancy tables for your age and gender
How your answers adjust the curve
Health, activity, smoking, and social connection nudge longevity up or down
Family history
Parent longevity and illness history fine-tune the estimate
How long the chart runs
Through age 92
Not included
Sudden accidents, new diagnoses, or genetic test results

Your results

Lower longevity risk

What it means

Your planning end age is in line with or beyond a conservative longevity benchmark in this model.

How we chose it

Same comparison. This tag appears when the gap is 3 years or less.

Median expected lifespan

Age 87

About 29 years from today, with about 22 years in retirement if you stop at 65. Plan-through age 92 vs. a conservative benchmark of 95 drives your longevity risk score.

Healthy to about

Age 86

90% still here by

Age 80

Longevity summary

Lower longevity risk

What it means

Your planning end age is in line with or beyond a conservative longevity benchmark in this model.

How we chose it

Same comparison. This tag appears when the gap is 3 years or less.

Estimated ranges for a similar profile—not a medical prognosis.

Median lifespan

Age 87

Healthy lifespan

Age 86

Retirement years (median)

22 yrs

Longevity risk

9/100

586266707274767882869094981021050%25%50%75%100%

Longevity probability bands

Ages associated with common planning benchmarks.

788388939790%probability75% probability50% (median)Conservativeplan-to age
  • 90% probability: age 80 — About 9 in 10 similar profiles live at least this long.
  • 75% probability: age 83 — About 3 in 4 similar profiles live at least this long.
  • 50% (median): age 87 — Half of similar profiles live longer; half do not.
  • Conservative plan-to age: age 95 — About 1 in 10 may live beyond this age — useful for stress-testing savings.

Planning insights

  • Your plan-through age (92) is below a conservative longevity benchmark (about 95). Extending your horizon may reduce the risk of outliving your plan.
  • Delaying retirement can shorten the spending years you must fund and allow more time for savings and benefit accrual.

Median lifespan by scenario

BaseHealthier85878991

Beyond this calculator

Planning horizon should reflect how long you may live

This range uses lifestyle and health inputs—not a medical diagnosis. A complete Retirelens plan also aligns:

  • Healthcare and care costs over a longer lifespan
  • How many years savings and income must last
  • Social Security claiming tied to joint longevity for couples
  • Legacy and insurance needs if you live well past average

Free to startNo credit card required

Interpretation

What these numbers mean

Planning context for the estimates above. Not tax, legal, or investment advice.

For your profile, the median expected lifespan is about age 87, with about 28 additional years in relatively good health before age 86. If you retire at 65, that implies about 22 years of retirement to fund at the median — but about 1 in 10 similar profiles may live beyond age 95.

Your plan-through age meets or exceeds common conservative benchmarks under this model — still review the plan as health and legislation change.

Longevity is one dimension of retirement. Combine this view with income, tax, healthcare, and lifestyle planning across your whole Retirelens plan.

Methodology

How we figure this out

The rules and math behind this estimate.

We start with U.S. period life-table remaining life expectancy for your age and gender, then adjust for BMI, activity, tobacco and alcohol use, sleep, chronic conditions, family history, and social, stress, and nutrition factors. Results are expressed as survival probabilities, median lifespan, healthy life expectancy, and retirement duration.

Probability bands show ages commonly used in planning: for example, the age by which most similar profiles are still alive, the median, and a conservative age only a minority outlive. Longevity risk compares your stated plan-through age to that conservative benchmark.

Scenario pills let you compare a healthier habit profile or a more conservative adjustment. This is an educational model — not a medical diagnosis, actuarial certificate, or guarantee of how long you will live.

Help

Frequently asked questions

Straight answers to common questions about this calculator.

How long will I live?

Nobody knows for sure. This tool uses U.S. averages plus your health and habits to show a range — useful for planning, not a medical forecast.

Why does planning age matter?

If your plan assumes you'll only live to 85 but you might live to 95, savings could run short. Planning to a higher age adds safety.

What are probability bands?

Simple way to say: here is a typical age, and here is an age only a small share of similar people outlive — so you can plan for a long life.

Do healthy habits change the estimate?

On average, yes — activity, not smoking, sleep, and similar factors shift the range. Your personal result can still differ a lot.

Your full retirement picture

Retirement is more than money

Free to startNo credit card required

A good retirement plan covers money, health, how you spend your time, people you care about, and what you pass on. That is how Retirelens looks at the full picture.

Finance

Know where you stand and what to do next with your money.

74% of planners reported satisfaction with retirement income vs. 43% of non-planners (Goldman Sachs)

Health

Secure solid coverage, stay ahead with preventive care and healthy habits a staple.

68% of adults ages 50–64 said they were concerned that federal policy changes could affect their health insurance coverage. (University of Michigan)

Purpose

Shape days you look forward to, with steps to get there.

Research shows that a stronger sense of purpose is associated with lower mortality risk among adults over age 50. (American Medical Association)

Connections

Strengthen relationships and build a support circle.

A longitudinal study of adults aged 65+ found that older adults with more diverse social networks had a lower risk of death and better cognitive and physical function than those with less diverse networks. (Chico Health Aging Project)

Legacy

Organize your assets and document so your family isn't left guessing.

Without a proper estate plan, more than half of families experience disputes or have assets end up under court control. (LegalShield)