Life Expectancy Social Security Calculator

Leave the date of birth blank to use this.
If given, the age is measured from this date to the "as of" date.
The date the age is measured on. Leave blank to use the current date supplied by the page.
Probability of dying within the year at exact age 0, 1, 2, ... Paste a column from another jurisdiction’s table, or from the SSA actuarial period table, to use it instead of the built-in one.
Used to show how many years of retirement the table implies. 67 is the Social Security full retirement age for anyone born in 1960 or later.
Years still expected
38.8 years
Life Expectancy Calculator
Expected age at death
78.8 years
Years still expected before adjustment
38.8 years
Lifestyle adjustment
0.00 years
Median years still to live
41.4 years
Chance of reaching 65
83.4 %
Chance of reaching 75
66.9 %
Chance of reaching 85
38.5 %
Chance of reaching 90
21.2 %
Chance of reaching 100
1.46 %
Years to retirement age
27.0 years
Years expected after retirement age
11.8 years
Age used
40.00 years
Expected date of death
2065-07-14
Life table used
United States complete period life tables, 2021 (total)
Summary
At age 40 the table gives 38.8 more years, an expected age at death of 78.8, with a 38.5% chance of reaching 85.
Worked out from Arias E, Xu JQ. United States Life Tables, 2021. National Vital Statistics Reports vol 72 no 12. NCHS, 2023 and 5 other sources.
A period life table describes a population under one year’s mortality rates. It is not a prediction about an individual and must not be used as medical advice or as the sole basis for a retirement, annuity or insurance decision.

How this is worked out

4 steps
  1. Look up e(x) at exact age 40 in United States complete period life tables, 2021 (total): 38.832253 years still expected.
  2. Expected age at death = 40 + 38.8323 = 78.8323.
  3. Chance of reaching 85 = l(85)/l(40) = 38.45%.
  4. Half the survivors at this age are still alive 41.42 years from now.
Survival probabilitiestable
agepercent
6583.4409
7566.9128
8538.4504
9021.2059
1001.4574

Results are general information, not financial, tax, legal, medical or engineering advice.