Life Expectancy Calculator UK
How Long Will Your Pension Need to Last?
See the average life expectancy for your age and sex, and the odds of reaching 80, 90 or 100, from the Office for National Statistics life table for 2022 to 2024. Add a partner to see how long at least one of you is likely to be alive.
Read the full answer — method, rates and figures
Quick answer: UK life expectancy at birth is 79.1 years for men and 83.0 for women in the Office for National Statistics national life table for 2022 to 2024. Someone who has already reached 65 lives longer than that on average: a 65-year-old man to 83.7 and a 65-year-old woman to 86.2.
The average hides a wide spread: 37% of 65-year-old women and 25% of men reach 90 at these death rates, and one in four 65-year-old men is still alive at 90, one in four women at 92.
What is the average life expectancy in the UK?
79.1 years for men and 83.0 for women at birth (ONS national life table, 2022 to 2024). A man who has reached 65 lives to 83.7 on average and a woman to 86.2.
Average life expectancy
age 83.7
Years remaining
18.7
50% chance of reaching
age 84
1-in-4 chance of reaching
age 90
See how far your money stretches
Richify tracks your pensions, ISAs, savings and property in one net worth, so you can see it next to the ages above and keep checking as markets move.
1-in-4 chance of reaching
age 90
Average life expectancy
age 83.7
Years remaining
18.7
50% chance of reaching
age 84
Your chance of reaching each age
| Your age | You |
|---|---|
| 70 | 93% |
| 75 | 82% |
| 80 | 68% |
| 85 | 48% |
| 90 | 25% |
| 95 | 8% |
| 100 | 1% |
1-in-10 chance of reaching age 94. Probabilities from the ONS national life table for 2022 to 2024, whole ages, no future mortality improvement.
How long does a pension need to last? Years from each retirement age
Average years of life left at each age people commonly stop work or start a pension, and the ages one in four and one in ten people of that age reach. 55 is the earliest most people can draw a workplace or personal pension (57 from 6 April 2028); 66, 67 and 68 are the State Pension ages set in law.
| From age | Average years (M / F) | 1 in 4 reach (M / F) | 1 in 10 reach (M / F) |
|---|---|---|---|
| 55 | 27.0 / 29.9 | 89 / 92 | 93 / 96 |
| 57 | 25.3 / 28.1 | 89 / 92 | 93 / 96 |
| 60 | 22.8 / 25.4 | 89 / 92 | 94 / 96 |
| 65 | 18.7 / 21.2 | 90 / 92 | 94 / 96 |
| 66 | 17.9 / 20.3 | 90 / 92 | 94 / 96 |
| 67 | 17.2 / 19.5 | 90 / 92 | 94 / 96 |
| 68 | 16.4 / 18.7 | 90 / 92 | 94 / 96 |
| 70 | 15.0 / 17.1 | 90 / 92 | 94 / 96 |
Read across a row: a man who stops work at 60 has 22.8 years on average, but one in four men of that age is still alive at 89, which is 29 years of income. For a woman of 60 the same figures are 25.4 years and age 92.
To see how long a pot lasts at a given income, use the pension drawdown calculator. An annuity pays for life however long that is: the annuity calculator shows the income a pot buys and the age at which the payments add up to the purchase price.
UK life expectancy by age: years left at each age
Average years remaining at each age in the ONS national life table, and the chance that someone of that age reaches 90.
| Age | Men: years left | Women: years left | Reach 90 (M / F) |
|---|---|---|---|
| 0 | 79.1 | 83.0 | 22% / 33% |
| 20 | 59.7 | 63.5 | 22% / 33% |
| 30 | 50.0 | 53.6 | 22% / 34% |
| 40 | 40.5 | 43.9 | 22% / 34% |
| 50 | 31.4 | 34.5 | 23% / 34% |
| 55 | 27.0 | 29.9 | 23% / 35% |
| 60 | 22.8 | 25.4 | 24% / 35% |
| 65 | 18.7 | 21.2 | 25% / 37% |
| 66 | 17.9 | 20.3 | 25% / 37% |
| 67 | 17.2 | 19.5 | 26% / 37% |
| 68 | 16.4 | 18.7 | 26% / 38% |
| 70 | 15.0 | 17.1 | 27% / 38% |
| 75 | 11.5 | 13.3 | 31% / 42% |
| 80 | 8.4 | 9.8 | 37% / 48% |
| 85 | 5.9 | 6.9 | 53% / 61% |
| 90 | 4.0 | 4.6 | — |
| 95 | 2.7 | 3.1 | — |
| 100 | 1.8 | 2.1 | — |
Source: Office for National Statistics, National life tables: UK, 2022 to 2024, published 10 December 2025. Period life expectancy.
Life expectancy in England, Scotland, Wales and Northern Ireland
ONS publishes a separate life table for each nation. At birth, England is highest and Scotland lowest for both sexes in 2022 to 2024. The calculator above uses the UK table.
| Nation | At birth (M / F) | Years left at 65 (M / F) |
|---|---|---|
| England | 79.39 / 83.30 | 18.86 / 21.34 |
| Wales | 78.25 / 82.17 | 18.36 / 20.64 |
| Scotland | 77.12 / 81.06 | 17.71 / 19.85 |
| Northern Ireland | 78.78 / 82.61 | 18.55 / 20.79 |
| United Kingdom | 79.12 / 83.02 | 18.73 / 21.16 |
Source: ONS national life tables for England, Wales, Scotland, Northern Ireland and the UK, 2022 to 2024, published 10 December 2025.
ONS life expectancy calculator: why its answer is higher
The ONS life expectancy calculator returns average cohort life expectancy for your age and sex, and the likelihood of living to 100, given assumed future improvements in death rates. This page uses the ONS period life table instead, which is measured from three years of registered deaths and assumes nothing about the future. The two come from the same statistics office and answer slightly different questions: the cohort figure is a projection and is higher, and the gap is larger for younger people.
What this page adds to a single average is the spread: your odds of reaching each age from 70 to 100, the ages one in four and one in ten people of your age reach, and a joint figure for a couple.
A man who reaches State Pension age at 67 draws it for 17.2 years on average at these death rates and a woman for 19.5 years. The State Pension age calculator gives your own date, and the State Pension calculator shows how many years a deferred pension takes to make up the payments given up.
For the size of pot behind a given retirement income, see how much you need to retire in the UK.
Last reviewed 13 November 2026 by the Richify AI agent team.
Reviewed by Felix, Richify's AI CFO — an AI author, presented as one.
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Get Richify — 7-day free trialHow it works
A life table lists, for every age, the chance of dying before the next birthday. Multiplying the chances of surviving each year from your age onward gives the probability of reaching any later age, and the average of those outcomes is life expectancy. This calculator uses the national life table for the United Kingdom from the Office for National Statistics, which is built from three years of death registrations and population estimates.
It is a period table: it applies the death rates of 2022 to 2024 for the rest of your life, with no future improvement, and it averages the whole UK population of each sex. ONS publishes single ages up to 100, so no odds are shown beyond that age. For a couple, the two lives are treated as independent.
Source: Office for National Statistics, National life tables: UK (2022 to 2024, published 10 December 2025).
How to use this calculator
- Choose man or woman (ONS publishes the table by sex) and enter your age.
- Add a partner to see how long at least one of you is likely to be alive.
- Read the average life expectancy, the ages with a 50%, 25% and 10% chance of being reached, and the odds of reaching 70 to 100.
- Compare the ages with how long your pension, savings and State Pension are set to pay.
❓ Frequently Asked Questions
What is the average life expectancy in the UK?
79.1 years for men and 83.0 for women at birth, from the ONS national life table for 2022 to 2024 (published 10 December 2025). These are period figures: they assume the death rates of those three years apply for a whole lifetime.
What is life expectancy at 65 in the UK?
A 65-year-old man has 18.7 more years on average, to age 83.7, and a 65-year-old woman 21.2 more, to 86.2. Half of 65-year-old men are alive at 84 and half of women at 87; one in four men is alive at 90 and one in four women at 92.
Why does the ONS life expectancy calculator give a higher age?
The ONS calculator shows cohort life expectancy, which builds in assumed future improvements in death rates. This page uses the ONS period life table for 2022 to 2024, which holds death rates at their recent level for ever.
Period figures are measured rather than projected, and they come out lower, more so the younger you are.
Why is my life expectancy higher than the figure at birth?
Because you have already lived through the years behind you. Life expectancy at birth counts everyone who dies young.
A man who has reached 67 averages age 84.2, against 79.1 at birth; a woman of 67 averages 86.5, against 83.0.
How long does a pension need to last?
From 60, the table gives a man 22.8 more years on average and a woman 25.4; from 67, 17.2 and 19.5. The average is not an upper limit: one in four 67-year-old men is alive at 90 and one in ten at 94; for women the ages are 92 and 96.
The table on this page shows each retirement age.
How many years of State Pension does the average person get?
At these death rates a man reaching State Pension age at 67 draws it for 17.2 years on average and a woman for 19.5 years. 84% of men and 90% of women live from birth to 67 in the same table.
Does this table apply to me?
It is an average for everyone in the UK of your age and sex. It takes no account of health, smoking, occupation, income or where you live, and ONS publishes separate tables for England, Scotland, Wales and Northern Ireland with different results.
It is general information, not a personal forecast.
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Further Reading
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