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How long am I likely to live?

See a range for how long you might live and whether your plan age is long enough.

Your information

Enter your best estimates below.

Demographics

Health

Family history

Lifestyle

Your result

Lower longevity risk

What it means

Your planning end age is in line with or beyond a conservative longevity benchmark in this model.

How we chose it

Same comparison. This tag appears when the gap is 3 years or less.

Median expected lifespan

Age 87

About 29 years from today, with about 22 years in retirement if you stop at 65. Plan-through age 92 vs. a conservative benchmark of 95 drives your longevity risk score.

Healthy to about

Age 86

90% still here by

Age 80

Unsaved result

Longevity summary

Lower longevity risk

What it means

Your planning end age is in line with or beyond a conservative longevity benchmark in this model.

How we chose it

Same comparison. This tag appears when the gap is 3 years or less.

Estimated ranges for a similar profile—not a medical prognosis.

Median lifespan

Age 87

Healthy lifespan

Age 86

Retirement years (median)

22 yrs

Longevity risk

9/100

Survival probability

5860626466687072747678808284868890929496981021050%25%50%75%100%

Planning insights

  • Your plan-through age (92) is below a conservative longevity benchmark (about 95). Extending your horizon may reduce the risk of outliving your plan.
  • Delaying retirement can shorten the spending years you must fund and allow more time for savings and benefit accrual.

Your Longevity estimate

Your Longevity is one piece of your retirement plan

You are here. Five more steps bring every piece together to answer the bigger question: will your money last as long as you do?

Your Longevity is one piece of your retirement plan

Your LongevityPieces still to add

  • Current age
  • Retirement age

Your retirement plan will also answer

  • When can I and my spouse retire?
  • How much should I save?
  • When should I claim Social Security?
  • Should I do Roth conversions?
  • How much can I safely withdraw?
  • Should I pay off debt first?
  • Would my plan weather market ups and downs?

How it works · Your path to a full Health plan

  1. Longevity

    You are here

    Age 87

  2. Income

    Current income plus Social Security, pensions and annuities

  3. Expenses

    Day-to-day living, healthcare premiums and planned future costs

  4. Assets

    Homes, properties, investments and savings

  5. Non-mortgage debts

    Car loans, credit cards and other balances

  6. Annual savings and review

    Confirm yearly savings, then see your full plan

Interpretation

Understand your results

Planning context for the estimates above. Not tax, legal, or investment advice.

For your profile, the median expected lifespan is about age 87, with about 28 additional years in relatively good health before age 86. If you retire at 65, that implies about 22 years of retirement to fund at the median — but about 1 in 10 similar profiles may live beyond age 95.

Your plan-through age meets or exceeds common conservative benchmarks under this model — still review the plan as health and legislation change.

Longevity is one dimension of retirement. Combine this view with income, tax, healthcare, and lifestyle planning across your whole Retirelens plan.

Methodology

How we figure this out

The rules and math behind this estimate.

We start with U.S. period life-table remaining life expectancy for your age and gender, then adjust for BMI, activity, tobacco and alcohol use, sleep, chronic conditions, family history, and social, stress, and nutrition factors. Results are expressed as survival probabilities, median lifespan, healthy life expectancy, and retirement duration.

Probability bands show ages commonly used in planning: for example, the age by which most similar profiles are still alive, the median, and a conservative age only a minority outlive. Longevity risk compares your stated plan-through age to that conservative benchmark.

Scenario pills let you compare a healthier habit profile or a more conservative adjustment. This is an educational model — not a medical diagnosis, actuarial certificate, or guarantee of how long you will live.

Frequently asked questions

Straight answers to common questions about this calculator.

Do healthy habits change the estimate?

On average, yes — activity, not smoking, sleep, and similar factors shift the range. Your personal result can still differ a lot.

How long will I live?

Nobody knows for sure. This tool uses U.S. averages plus your health and habits to show a range — useful for planning, not a medical forecast.

Why does planning age matter?

If your plan assumes you'll only live to 85 but you might live to 95, savings could run short. Planning to a higher age adds safety.

What are probability bands?

Simple way to say: here is a typical age, and here is an age only a small share of similar people outlive — so you can plan for a long life.

Retirement is more than your money

Your retirement plan is one of five pillars Retirelens helps you plan.

Finance

Know where you stand and what to do next with your money.

Health

Stay on top of coverage, care and habits that keep you well.

Purpose

Shape days you look forward to, with steps to get there.

Connections

Strengthen relationships and build a support circle.

Legacy

Organize what matters and document so your family isn't left guessing.