Life Expectancy Calculator for Your Longevity Insights

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

Life Expectancy Calculator

Personal information

Input
birthdate or age
now
Gender
Smoking
Alcohol drinking
Regular diet
(vegetables, fruits, whole grains, beans, nuts, olive oil, fish, and poultry)
(beef, pork, lamb, and hamburger)
(bacon, hot dogs, sausage, salami, bologna, and other processed items)
Weekly exercise
Gait speed
(normal walking)
Blood pressure
Systolic blood pressure (SBP)
Type 2 diabetes

Cancer diagnosed in the past 5 years

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 old : %

Chance of Reaching Age

Death probability prediction

Probability of dying before age 65 : %

 : %
: %

The most likely age of dying : years old ( % chance)

Chance of Dying at the Specific Age

Disclaimer

These estimates of life expectancy, based on the mortality and medical research on US adults done by Harvard, NIH, other institutions, and professionals, including actuaries, do not take into account other factors, such as other personal medical history, unique health conditions, 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, exercise habits, 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, or date of birth, and select the biological sex, 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

    Consider your regular diet. What you eat day to day is one of the strongest, and most changeable, predictors of how long you may live. A modeling study using global dietary data found that shifting from a typical Western diet toward an optimized plant-based pattern rich in legumes, whole grains, nuts, vegetables, and fruit could add roughly a decade of life expectancy for a young adult who makes the change early, with smaller but still meaningful gains at older ages. Even partial shifts, like cutting back on meat, are tied to lower rates of heart disease, stroke, and several cancers. Read more about how a plant-based diet could add years to your life.

    The Mediterranean diet, built around vegetables, fruits, whole grains, beans, nuts, olive oil, fish, and poultry, shows similar benefits. In a Harvard-affiliated study that followed more than 25,000 women for up to 25 years, those who closely followed a Mediterranean pattern had up to 23% lower risk of dying from any cause, with reduced risk for both cardiovascular disease and cancer. Learn more in Women who follow Mediterranean diet live longer, from the Harvard Gazette. A separate comparison of vegan and Mediterranean-style eating found both diets lower cholesterol and cardiovascular risk, with one 2023 study linking the Mediterranean diet to a 29% lower risk of all-cause mortality and a 28% lower risk of cancer death; see Vegan or Mediterranean: Which is better for your heart? from UCI Health.

    On the other end, regularly eating more unprocessed red meat (beef, pork, lamb, hamburger) or processed red meat (bacon, hot dogs, sausage, salami, bologna) is linked to a higher mortality risk. A decades-long Harvard study of over 120,000 nurses and health professionals found that each additional daily serving of unprocessed red meat raised the risk of death by 13%, rising to 20% for processed meat, while substituting that serving with fish, poultry, legumes, or nuts lowered the risk instead. Learn more in Cutting red meat for a longer life from Harvard Health.

  3. 3

    Select your exercise habit. Regular physical activity is associated with a lower risk of premature death and may contribute to a longer lifespan. Research suggests that adults who consistently engage in moderate or vigorous leisure-time exercise experience significant reductions in all-cause mortality compared with those who are less active. The greatest benefits were observed among individuals who accumulated approximately 3-5 hours of vigorous physical activity per week, 5-10 hours of moderate physical activity per week, or an equivalent combination of the two.

    Importantly, the benefits of physical activity were observed across the adult population studied and were not limited to younger individuals. Meeting or exceeding the recommended levels of exercise was associated with lower mortality risk regardless of age group, highlighting that it is never too late to gain meaningful health benefits from regular physical activity. Learn more in this study, published in the journal Circulation.

  4. 4

    Know your gait speed. Research suggests that gait speed (how fast a person normally walks) is a powerful indicator of overall health and longevity. In a study of more than 34,000 adults aged 65 and older, researchers found that people who walked faster generally lived longer than those who walked more slowly. Gait speed was a strong predictor of survival, with faster walkers often having a higher life expectancy than others of the same age and sex.

    Walking requires the coordinated function of many body systems, including the heart, lungs, muscles, nervous system, and balance. As a result, gait speed can provide a simple snapshot of overall physical health and biological aging. While a faster walking pace does not necessarily cause a longer life, it is often a sign that the body is functioning well, whereas a slower pace may reflect underlying health challenges or reduced physical fitness. Learn more in the study Gait Speed and Survival in Older Adults, published in the journal JAMA.

  5. 5

    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.

  6. 6

    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.

  7. 7

    Cancer diagnosis. Indicate whether you have been diagnosed with cancer within the past five years. If so, select the type of cancer unless your doctor has declared you NED (No Evidence of Disease), in remission, or cancer-free. Different cancers vary in aggressiveness and treatment outcomes, which can significantly affect life expectancy. This calculator uses the latest US 5-year cancer survivior rate by cancer type and adjusts mortality estimates for years six through ten based on ten-year survival data from the US National Cancer Institute.

  8. 8

    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.

  9. 9

    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.

    As Tony Robbins puts it, “Retirement planning includes considering how long you will live.” Factoring in your potential longevity is essential. If you expect to live a long life, you may need to adjust your retirement contributions and investment strategies 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 with a target completion date, 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, prediction, 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.

Content created by

AlexCFA, FSA, FRM, MBA

Alex is a seasoned finance professional with over 15 years of experience in investment management and financial technology. He began his career as a financial advisor and later led large-scale budgeting and risk management initiatives at global consulting firms. He also brings extensive experience as both an investment analyst and a software engineer. Alex is a CFA® charterholder, Fellow of the Society of Actuaries (FSA), and Financial Risk Manager (FRM®).

Content published on 2024-08-01. Last reviewed and updated on 2026-07-07.

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