Start with people who reached your age.
This estimate is conditional on being alive at your selected age. It is not life expectancy at birth with your age subtracted.
BEHIND THE ESTIMATE
Clear numbers. Open assumptions.
See the possibilities beyond the average.
The chart shows a distribution of possible lifespans. “1 in 4” means 25% of the modeled population lives longer than that point.
Keep your details on your device.
Your entries stay in this page’s memory. Downloaded reports are your permanent record. The calculator does not send your entries to a server or save them between visits.
Inputs, defaults and review
The calculator uses the entries and settings shown, including any retained defaults. Life Expectancy Studio does not independently verify personal information. Check the entries before relying on a result. Incorrect information can materially affect an estimate.
Pro reports identify the origin of each input, including defaults, connected-tool entries and automatic adjustments. Published SSA data and fixed software assumptions are identified separately. No professional review is implied by choosing a default.
A preparer may record an input check or professional review with a stated date and scope. Those declarations are not authenticated by the software. Changes to the covered content clear confirmations for the new draft. Previously prepared reports retain their original entries and disclosures.
Where the data comes from
Life Expectancy Studio uses the Social Security Administration’s 2026 Trustees Report downloadable tables, retrieved September 24, 2026. The forward-looking model uses Alternative II cohort tables, SSA’s intermediate assumptions, for the birth year 2026 minus the age entered. The snapshot uses the 2023 period life table from the same release.
The age you turn in 2026 is modeled at that exact birthday. For two people, the shared elapsed-year axis starts at each person’s selected birthday, which may be on different calendar days. We do not collect a date of birth or calculate fractional current age. The geography is the Social Security area population, which includes the U.S. and certain additional covered populations. This is not an insured, affluent, or healthy-only population.
The 2026 label identifies the report edition. It does not mean that observed 2026 mortality is available. CDC explains period life expectancy.
Original files: Female cohort · Male cohort · Female period · Male period
How the calculations work
Average remaining years come directly from SSA’s published e(x). Average age is the age entered plus e(x). The average is a mean, and the 50% point is a median. They can differ.
Annual survival starts at 100% at the selected age and is multiplied by 1 − q(x) at each following age, where q(x) is SSA’s probability of dying within that year. Cohort tables follow the selected birth cohort through future years; period tables hold the reference year fixed. Between birthdays, the curve assumes deaths are spread uniformly through that year.
For two people, elapsed years are aligned. With individual survival probabilities S₁ and S₂, both surviving is S₁ × S₂, and at least one surviving is 1 − (1 − S₁) × (1 − S₂). This assumes independent lifetimes. Partners may share risks, so it is an approximation.
Basic rounds headline years and percentages for readability. Pro separates rounded findings from detailed calculation schedules. Reports identify the model, data release and exact inputs; the full report embeds its source extracts and annual workpapers. Source probabilities run through age 119; survival beyond age 120 is truncated. Mean life expectancy is taken from the published tables and is not truncated by our chart. The chart normally ends at age 110 for an individual, or when the younger partner would reach 110. It extends to include a later explored horizon. Quantiles use the full modeled curve.
The curve describes variation in lifespans within a population. It is not a confidence interval for this model or a measure of uncertainty in future mortality assumptions.
What this estimate cannot tell you
Life Expectancy Studio is an educational population calculator, not a medical prognosis, a prediction of a death date, or a financial recommendation. Health conditions, smoking, disability, income, family history, and other circumstances can materially change someone’s outlook. This model does not adjust for them.
We do not add or subtract years for habits. Doing that responsibly requires a jointly estimated and validated model. A general-population table should not be used to assess an individual with a serious or life-limiting illness. Discuss that question with an appropriate clinician.
The planning probabilities are options for exploring longevity risk. A 10% chance of living longer is still a possibility, and choosing a percentile does not establish that savings will be sufficient. No single age is recommended.
For clinical contexts, UCSF’s ePrognosis provides tools for specific older-adult populations and time horizons.