Living 100 Life Expectancy Calculator

Current age (years)Leave the date of birth blank to use this.

Date of birthIf given, the age is measured from this date to the "as of" date.

As ofThe date the age is measured on. Leave blank to use the current date supplied by the page.

Life table

Table source

Your own qx seriesProbability 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.

Smoking

Body mass index (kg/m2)

Leisure-time activity (MET-h/week)7.5 MET-h a week is the WHO-recommended 150 minutes of moderate activity and scores zero adjustment.

Alcohol (g/week)Grams of pure alcohol a week. A UK unit is 8 g; a US standard drink is 14 g.

Retirement age (years)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

34.4 years

Life Expectancy Calculator

Expected age at death

79.4 years

Years still expected before adjustment

34.4 years

Lifestyle adjustment

0.00 years

Median years still to live

36.7 years

Chance of reaching 65

84.8 %

Chance of reaching 75

68.0 %

Chance of reaching 85

39.1 %

Chance of reaching 90

21.6 %

Chance of reaching 100

1.48 %

Years to retirement age

22.0 years

Years expected after retirement age

12.4 years

Age used

45.00 years

Expected date of death

2061-02-16

Life table used

United States complete period life tables, 2021 (total)

Summary

At age 45 the table gives 34.4 more years, an expected age at death of 79.4, with a 39.1% 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.

The lifestyle terms are population-average effects on life expectancy taken from four large cohort studies. They are added independently, which will overstate the total where the same underlying risk is captured twice.

The survival probabilities and the median are read from the unadjusted life table: the lifestyle layer shifts the expectancy, not the whole survival curve.

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

9 steps

Look up e(x) at exact age 45 in United States complete period life tables, 2021 (total): 34.426334 years still expected.
Smoking (never smoked): +0 years.
Body mass index (BMI 24): +0 years.
Physical activity (7.5 MET-h a week): +0 years.
Alcohol (up to 100 g a week - the reference band): +0 years.
Adjusted expectancy = 34.4263 + 0 = 34.4263 years.
Expected age at death = 45 + 34.4263 = 79.4263.
Chance of reaching 85 = l(85)/l(45) = 39.08%.
Half the survivors at this age are still alive 36.68 years from now.

Where the adjustment comes fromtable

factor	years	basis
Smoking	0	never smoked
Body mass index	0	BMI 24
Physical activity	0	7.5 MET-h a week
Alcohol	0	up to 100 g a week - the reference band

Survival probabilitiestable

age	percent
65	84.8089
75	68.0098
85	39.0808
90	21.5536
100	1.4813

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