Life Expectancy Calculator
How Long Will Your Retirement Last?
See how long you are likely to live, and your odds of reaching 80, 90 or 100, from the Social Security Administration's 2023 life table. Add a partner to plan for the longer-lived of you.
Read the full answer — method, rates and figures
Quick answer: Under the Social Security Administration's 2023 period life table (used in the 2026 Trustees Report), US life expectancy at birth is 75.8 years for men and 81.1 for women. Someone who has already reached 65 can expect more: a 65-year-old man lives on average to 83.1 and a 65-year-old woman to 85.7.
Averages hide a wide spread: a 65-year-old woman has a 35% chance of reaching 90, a man 24%. For retirement planning, a common rule is to plan to the age you have only a 1-in-4 chance of outliving: 89 for a 65-year-old man, 92 for a woman.
What is the life expectancy of a 65-year-old in the US?
Age 83.1 for a man and 85.7 for a woman, on average (SSA 2023 period life table). One in four 65-year-old men lives past 89, and one in four women past 92.
Social Security life expectancy calculator by current age
Enter your age below. The answer comes from the Social Security Administration's actuarial life table (the 2023 period table in the 2026 Trustees Report), the same agency whose SSA life expectancy calculator returns a single average from your sex and date of birth. Here you also get the odds of reaching 80, 90 and 100 and the age to plan your savings to.
Average life expectancy
age 83.1
Years remaining
18.1
50% chance of reaching
age 83
1-in-4 chance (plan to)
age 89
Make your money last to your planning age
Richify tracks your savings, investments and home equity in one net worth, so you can see whether it stretches to the age you are planning for, and keep checking as markets move.
Plan savings to
age 89
Average life expectancy
age 83.1
Years remaining
18.1
50% chance of reaching
age 83
Your chance of reaching each age
| Your age | You |
|---|---|
| 70 | 91% |
| 75 | 79% |
| 80 | 64% |
| 85 | 45% |
| 90 | 24% |
| 95 | 8% |
| 100 | 1% |
1-in-10 chance of reaching age 94. Probabilities from the SSA 2023 period life table (2026 Trustees Report), whole ages, no future mortality improvement.
Social Security life expectancy table 2026: years left by age
Average years remaining at each age in SSA's actuarial life table, and the chance that someone that age reaches 90. Ages 62 and 67 are the earliest and the full Social Security claiming ages.
| Age | Men: years left | Women: years left | Reach 90 (M / F) |
|---|---|---|---|
| 0 | 75.8 | 81.1 | 19% / 31% |
| 20 | 56.7 | 61.7 | 19% / 31% |
| 30 | 47.5 | 52.1 | 20% / 31% |
| 40 | 38.6 | 42.6 | 20% / 31% |
| 50 | 29.9 | 33.5 | 21% / 32% |
| 55 | 25.7 | 29.0 | 22% / 33% |
| 60 | 21.8 | 24.7 | 23% / 33% |
| 62 | 20.3 | 23.1 | 23% / 34% |
| 65 | 18.1 | 20.7 | 24% / 35% |
| 67 | 16.7 | 19.1 | 25% / 36% |
| 70 | 14.7 | 16.8 | 27% / 37% |
| 75 | 11.4 | 13.1 | 30% / 41% |
| 80 | 8.5 | 9.8 | 38% / 47% |
| 85 | 6.0 | 7.0 | 54% / 62% |
| 90 | 4.1 | 4.8 | — |
| 95 | 2.8 | 3.2 | — |
| 100 | 2.0 | 2.2 | — |
Source: SSA Office of the Chief Actuary, actuarial life table (2023 period table, 2026 Trustees Report). A period table applies one year's death rates for life, so it tends to understate how long people live.
Deciding when to claim? Life expectancy is the whole question: waiting from 62 to 67 only pays off if you live past about 78 and 8 months. The Social Security break-even calculator shows your break-even age at 62, full retirement age and 70, and the odds of living past each one.
Planning as a couple? The higher earner's check can outlast them: see Social Security survivor benefits by age, from 71.5% at 60 to 100% at full retirement age.
Up to 85% of Social Security benefits can be taxable once your other income passes the thresholds; the Social Security tax calculator shows how much of yours is.
Checking whether your savings reach your planning age? Try the retirement calculator, and the RMD calculator for the withdrawals required from 73 (75 if you were born in 1960 or later).
Last reviewed 8 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 within the next year. Multiply the chances of surviving each year from your age onward and you get the probability of reaching any later age; the average of those outcomes is your life expectancy. This calculator uses the Social Security Administration's actuarial table, the one SSA and the Trustees use to project benefits.
It is a period table: it applies the death rates of 2023 for the rest of your life, with no future improvement, and it averages the whole Social Security area population. Your own health and habits can move your odds a long way in either direction. For a couple, the two lives are treated as independent, the standard planning assumption.
Source: Social Security Administration, Actuarial Life Table (2023 period life table, 2026 Trustees Report).
How to use this calculator
- Choose man or woman (the SSA table is published by sex) and enter your age.
- Optionally add a partner to see how long at least one of you is likely to live.
- Read your average life expectancy, the age you have a 50%, 25% and 10% chance of reaching, and your odds of reaching 70 through 100.
- Use the 1-in-4 or 1-in-10 age as a planning horizon for how long your retirement savings need to last.
❓ Frequently Asked Questions
What is the average life expectancy in the US?
75.8 years for men and 81.1 for women at birth, from the SSA's 2023 period life table for the Social Security area population (2026 Trustees Report). Life expectancy at older ages is higher than birth figures suggest, because it only counts people who have already survived to that age.
How long will I live if I'm 65?
On average, to about 83 for a man and 86 for a woman. Half of 65-year-old men live past 83 and half of women past 86; one in four men lives past 89 and one in four women past 92.
Enter your own age in the calculator for your figures.
What age should I plan my retirement savings to last until?
Planning to your average life expectancy means a 50/50 chance of outliving your money. Many planners use the age you have a 1-in-4 or 1-in-10 chance of reaching instead.
For a 65-year-old man those are 89 and 94; for a woman 92 and 96. For a couple, plan for the longer-lived of the two: the calculator shows the joint figure when you add a partner.
Why is my life expectancy higher than the number at birth?
Because you have already survived the years behind you. Life expectancy at birth includes everyone who dies young; by 65 those risks are behind you, so your expected age at death is later.
Your remaining years fall as you age, but your expected age at death keeps rising.
Is a period life table accurate for me?
It uses death rates observed in a single year (2023) and assumes they never change. Mortality has generally improved over time, so for younger people especially it tends to understate how long they will live.
It is also an average for the whole Social Security area population: health, smoking, income and family history all shift an individual's odds. Treat it as a planning baseline, not a prediction.
Is this the same as the Social Security life expectancy calculator?
It uses the same agency's numbers. SSA's own Life Expectancy Calculator shows one figure, the average number of extra years for your sex and date of birth.
This calculator reads SSA's published 2023 period life table (from the 2026 Trustees Report) and adds what a single average hides: your chance of reaching each age, the age you have a 1-in-4 chance of reaching, and a joint horizon for a couple. A 65-year-old man averages 18.1 more years in that table, but 24% reach 90.
How does life expectancy affect when I claim Social Security?
Delaying Social Security raises your monthly benefit, but you collect it for fewer years. If you expect to live past your break-even age, waiting usually pays more over your lifetime; for a married couple the higher earner's benefit also becomes the survivor's benefit, so the longer-lived spouse matters.
The Social Security calculator shows the break-even age for your numbers.
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Further Reading
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