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
Happy birthday
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
Cardiovascular disease
(CVD)
Chronic lung disease
(COPD)
Chronic kidney disease
(CKD)

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.


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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 76, and a female can expect to reach 81. 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

    Your medical history of chronic illness. Certain chronic conditions influence longevity far more strongly than everyday lifestyle factors. If you have been diagnosed with any of the conditions below, indicate it and, where asked, the stage or age at diagnosis. As a general rule, the younger you are when a serious condition develops, the greater its effect on life expectancy, because it acts over more of your remaining years. This calculator reflects that by scaling each condition’s impact according to your age and biological sex.

    Type 2 diabetes. If you have been diagnosed with type 2 diabetes, input the age at which you were diagnosed. Estimates suggest that people with diabetes die, on average, about 6 years earlier than people without it, and the younger the age at diagnosis, the greater the years lost. Women also tend to lose more years than men; for example, a woman diagnosed in her 30s may lose around 11 years of life expectancy by the time she is 40. You can find more in the observational study on age at diagnosis of type 2 diabetes from NIH — National Library of Medicine.

    Cardiovascular disease (CVD). Indicate whether you have had a heart attack (myocardial infarction), a stroke, or been diagnosed with heart failure. Each raises mortality risk well above that of the general population, though the relative effect eases with age as background risk naturally rises. A prior heart attack or ischemic stroke may shorten life by several years, while a hemorrhagic stroke tends to carry a somewhat larger loss. Heart failure has the strongest effect of the three, because it is a chronic, progressive condition rather than a single past event, and its impact is especially pronounced in younger patients. Learn more about life years lost due to cardiovascular disease and heart failure and loss of life expectancy.

    Chronic obstructive pulmonary disease (COPD). If you have COPD, select your GOLD stage, which is based on lung function (FEV1). Life expectancy declines modestly at the mild stages and much more steeply once the disease becomes severe. Research estimates roughly 0.7 years of life lost at Stage 1, rising to about 2.6, 5.1, and 7.1 years at Stages 2, 3, and 4. Notably, COPD lowers life expectancy even in people who have never smoked, so it is counted separately from your smoking status. Read more in the NHANES III follow-up study on life expectancy in COPD.

    Chronic kidney disease (CKD). If you have reduced kidney function, select your stage, based on eGFR, or indicate whether you are on dialysis. Compared with normal function, life expectancy may fall by roughly 20% at Stage 3a, 50% at Stage 3b, and 65% at Stage 4, with the largest losses among younger adults and those with protein in the urine. People on long-term dialysis face the highest risk, whereas a kidney transplant substantially improves the outlook. Learn more in this review of life expectancy with chronic kidney disease.

    When several conditions apply. These illnesses often occur together and share underlying causes — diabetes, for instance, is a leading cause of both kidney and heart disease. To avoid overstating the combined effect, the calculator weighs overlapping conditions rather than simply adding each one’s full impact, keeping your estimate realistic.

  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.


People also ask - Q&A

How long will I live?

No one can predict the exact day, but you can estimate your lifespan from your age, sex, and health and lifestyle. In the United States, the life expectancy of an 18-year-old non-smoker is approximately 83 years for males and 86 years for females. Your personal figure rises or falls with other factors like diet, exercise, blood pressure, and medical conditions. It also increases as you get older, since you've already survived earlier risks. Our life expectancy calculator combines your inputs with mortality research from the CDC, Harvard, and NIH to estimate your expected lifespan, along with your odds of living another 10, 20, or 30 years.

Why my lifespan is longer when I am 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.

What is the average life expectancy in the US?

As of 2024, average life expectancy at birth in the United States is 79.0 years, according to the CDC, an all-time high. These are averages from birth across the whole population; your own life expectancy is usually higher if you've already reached adulthood, because you've survived early-life risks. Life expectancy also varies with lifestyle, income, geography, and health conditions. To see a personalized estimate based on your habits and medical profile rather than the national average, try our life expectancy calculator above.

Do women live longer than men? Why?

Yes. In the United States, women live about 4.9 years longer than men on average - 81.4 years versus 76.5 years as of 2024, per the CDC. This gap appears in nearly every country and stems from a mix of biological and behavioral factors: men tend to develop heart disease earlier, take more physical risks, smoke and drink more heavily, and are more likely to die before 65. Hormonal and genetic differences may also contribute. The gap has narrowed slightly in recent years. Our calculator reflects these differences automatically when you select your biological sex.

How accurate are life expectancy calculators?

Life expectancy calculators give informed estimates, not guarantees. They apply population mortality data to your personal profile - age, sex, and factors like smoking, diet, exercise, and health conditions - to project a statistically likely lifespan. The more relevant, evidence-based factors a calculator uses, the more reliable its estimate tends to be. Built by professional actuaries and grounded in research from the CDC, Harvard, and NIH, our calculator is designed to deliver a more accurate life expectancy estimate. Still, no tool can account for everything: genetics, accidents, future medical advances, and unknown conditions all shape real outcomes. Treat the result as a well-grounded projection to guide your health and financial planning, not a fixed date.

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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