Life Expectancy & Longevity Probability Calculator

Estimate the average number of years a person can live based on age, health, and medical condition.

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Personal information
Gender
Smoking
Drinking
Weekly exercise
Blood pressure
Systolic blood pressure (SBP)
Type 2 diabetes
Lifespan estimates
Your life expectancy is years
The additional life expectancy is years. Namely, you are expected to live another years.
Longevity probability
Probability of living another 05 years : %
Probability of living another 10 years : %
Probability of living another 20 years : %
Probability of living another 30 years : %
Probability of living another 40 years : %
Probability of living another 50 years : %
years : %
years old : %
Chance of Reaching Age
Death probability
Probability of dying before age 65 : %
 : %
: %
The most likely age of dying : years old ( % chance)
Chance of Dying at the Specific Age
Disclaimer
The estimates of this life expectancy, based on the mortality rates and medical research on US adults done by Harvard, NIH, other institutions, and actuaries, do not take into account other factors, such as other personal medical history, health, and diseases of the family, and the future progress of public health, that could increase or decrease the estimates.
instruction icon Calculator instruction
Are you taking the necessary steps to enjoy a long and vibrant life, or wondering if you may have more years ahead of you than you realize? According to the CDC's National Center for Health Statistics, a male born today can expect to live to 75, and a female can expect to reach 80. Use this longevity calculator to assess your potential lifespan based on your current age, health profile, and medical condition. Knowing this information may empower you to make healthier choices today for a brighter tomorrow.
  1. 1

    To start, first, input the current age and select the biological gender, smoker or non-smoker, and the frequency of alcohol consumption. Regular drinking is defined as taking more than 2 drinks in a day for adult men and more than 1 drink for adult women.

    To find out how smokers' lifespan may be reduced, check this study Heavy smokers cut their lifespan by 13 years on average.

  2. 2
    Select your exercise habit. Suppose you consistently spend 3 to 5 hours weekly on vigorous exercise, 5 to 10 hours on moderate exercise, or 4 to 7 hours on a combination of vigorous and moderate exercise. The study shows that these physical activities may reduce mortality and improve longevity. Besides, age doesn't affect the benefit of the exercise you choose.
  3. 3

    Input the blood pressure. Normal blood pressure is considered a healthy level if the "top number" (systolic) is lower than 120 mmHg and the "bottom number" (diastolic) is lower than 80 mmHg. If the systolic blood pressure is greater than 130 mmHg, or the criteria of Stage 1 hypertension or worse is met, the study shows an increased risk of all-cause mortality.

    To learn more about how high blood pressure may lower your life expectancy, check this report, High Blood Pressure: Prognosis and Life Expectancy, and this academic study about the association of hypertension and healthy longevity, available at NIH - National Library of Medicine.

  4. 4
    Having type 2 diabetes or not. If you have been diagnosed with type 2 diabetes, input the age of being diagnosed. Estimates suggest that people with diabetes die, on average, 6 years earlier than people without diabetes. The younger the age at diagnosis, the more age lost could be. Women also lose more age than men do in general. For example, a woman with diabetes diagnosed in her 30s may lose 11 years of life expectancy when she is 40 years old. You can find more in the observational study of life expectancy associated with different ages at diagnosis of type 2 diabetes from NIH - National Library of Medicine.
  5. 5

    Check the life expectancy and probability of living longer. The table of longevity estimates can answer the following:

    1. Total life expectancy, or expected lifespan. This is the estimated age at which a person may die.

    2. Additional life expectancy. This is the average remaining years of a person's life at a given age.

    3. Probability of living another N years. This can help answer how likely you will live that long and see if you need to financially and mentally prepare for those years. For instance, if I am a 65-year-old and want to retire, should I prepare to keep sufficient savings for another 30 years, or is 20 years good enough because living 30 years is unlikely? Checking this probability can show you how probable you will live longer, and as a result, you need to save more now or spend less during those years.

    4. Probability of reaching a certain age. For example, this answers the likelihood of becoming a centenarian, living to 100 years old.

  6. 6

    Check the probability of dying. The table of death probability estimates can also help you make informed decisions in financial, insurance, and estate planning, similar to longevity probability. You can also learn how critical your lifestyle or health condition may affect the likelihood of death:

    1. Probability of dying before age X. This refers to the likelihood that an individual will die before reaching a specific age, given their current age and health conditions. It is calculated as (1 - probability of living to X years old).

    2. Probability of dying at the age X. This refers to the likelihood that an individual will die at a particular age. Namely, the person will live to the age of X, but will not be able to reach the age of (X+1).

Why you should check the life expectancy?

Calculating your life expectancy can provide valuable insights that help you make informed decisions about your health, finances, lifestyle, and long-term planning. Here's a detailed breakdown of why it's beneficial:

  • Career and Work-Life Balance: Your expected lifespan can influence important career decisions, such as when to retire, whether to change professions, and how much time to dedicate to work versus personal fulfillment. If you anticipate a long life, continuing to work a few extra years might provide greater financial security and a higher quality of retirement. On the other hand, if you expect to live a shorter life, you might prioritize enjoying life sooner by reducing work stress, pursuing passion projects, or spending more time with family and friends. Understanding your longevity potential helps you balance career ambition and personal happiness.

  • Financial Planning and Retirement: Understanding your life expectancy is crucial for effective financial planning, especially retirement. Knowing how long you might live helps you estimate how much money you'll need to sustain yourself throughout retirement. This prevents financial shortfalls and ensures that your savings, investments, and pension plans last as long as necessary. It also helps make informed decisions about when to start withdrawing from retirement accounts, how much to save, and whether to invest in annuities or other long-term financial products. If you expect to live a long life, you may need to adjust your retirement contributions to ensure financial stability in your later years.

  • Long-Term Care and Insurance Decisions: Planning for long-term care is essential, especially as medical advancements continue to increase life expectancy. If you anticipate living longer, you may need to invest in long-term care insurance to cover potential healthcare expenses, assisted living, or home care services. This knowledge can also help you select the right health insurance coverage and ensure that you're financially prepared for medical costs associated with aging. Without proper planning, long-term care expenses can become a significant financial burden for you and your family. By understanding your life expectancy, you can take proactive steps to secure the necessary coverage for future healthcare needs.

  • Estate and Legacy Planning: Having a realistic idea of your life expectancy allows you to plan your estate efficiently. This includes making decisions about your will, inheritance distribution, and charitable contributions. If you expect to live a long life, you may want to strategize how to transfer your assets gradually, ensuring your family is taken care of without unnecessary tax burdens. Conversely, if your life expectancy is shorter than average, you may choose to finalize estate plans earlier, ensuring that your wealth is allocated according to your wishes and reducing the legal complications your loved ones may face.

  • Psychological and Emotional Readiness: Knowing your estimated life expectancy can influence your psychological outlook and emotional preparedness for aging. It encourages you to live with intention, set meaningful goals, and focus on what truly matters. Instead of fearing the unknown, you can approach life with greater clarity, making the most of your time by prioritizing experiences that bring happiness and fulfillment. For those with a longer life expectancy, this might involve setting long-term goals and maintaining a strong sense of purpose. Meanwhile, those with a shorter expectancy may focus on immediate personal growth, relationships, and achieving lifelong dreams sooner rather than later.

  • Health and Lifestyle Adjustments: Calculating your life expectancy provides valuable insight into your current health and lifestyle choices. By assessing risk factors such as diet, exercise, smoking, alcohol consumption, and medical history, you can take proactive steps to improve your health and potentially extend your lifespan. If your estimated life expectancy is lower due to unhealthy habits or hereditary conditions, you may be more motivated to adopt positive lifestyle changes. It also encourages preventive healthcare, such as regular check-ups, screenings, and early interventions that can improve your quality of life as you age.

Why your lifespan is longer when you get older?

It may seem counterintuitive, but the idea behind life expectancy getting longer as you age is based on statistics and probability. Here's how it works:

  1. Survival Bias: If you're already older, it means you've survived many of the risks that could have shortened your life, like diseases, accidents, or other health issues that affect younger populations. So, the older you get, the more likely you are to live longer because you've already made it through the riskier parts of life.

  2. Life Expectancy vs. Longevity: Life expectancy is often calculated from birth, but when you're already older, your life expectancy is recalculated based on your current age. For example, if a 60-year-old person is alive and well, their life expectancy will be longer than it would have been if they were a newborn, because they've already passed through early mortality risks.

  3. Improvements in Healthcare: As people age, advancements in healthcare, better treatments, and lifestyle changes often contribute to longer lives. The older population has access to more resources to help them maintain their health, which boosts their life expectancy. However, these improvements are not considered in this calculator or other life expectancy calculators because it is difficult to foresee whether or not these will happen or can be estimated objectively. Besides, according to Scientific American of October 2024, human longevity may have reached its upper limit. The researchers argued that human beings are unlikely to continue to extend their lifespan radically, as in the past century.


In short, it's about the fact that the older you are, the more likely you are to reach an even older age because you've already survived some mortality risks, such as accidents or diseases at a young age, that are considered in the earlier years since you were born.

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