Free Life Expectancy Calculator 2026 - How Long Will I Live?
Estimate your life expectancy with our free life expectancy calculator. Calculate how long you will live based on age, health, and lifestyle factors. Essential for retirement planning and ensuring your savings last throughout retirement.
Normal BMI: 18.5-24.9. Calculate: weight (kg) / height (m)² or weight (lbs) × 703 / height (in)²
Important Note: This calculator provides estimates based on general population data and your inputs. Actual life expectancy varies significantly based on many factors not included here. This is not a medical diagnosis. For personalized health advice, consult with a healthcare provider. For official life expectancy data, visit theCDC.
How Long Will I Live? Life Expectancy Guide for Retirement Planning 2026
Why Life Expectancy Matters for Retirement Planning: Life expectancy is one of the most critical factors in retirement planning. If you underestimate how long you'll live, you may run out of money in retirement. If you overestimate, you may save more than necessary and miss out on enjoying your retirement years. Our life expectancy calculator helps you estimate how long you'll live so you can plan your retirement savings accordingly.
Average Life Expectancy: In the United States, the average life expectancy at birth is about 79 years (76 for men, 81 for women). However, life expectancy increases as you age because you've already survived many risks. For example, a 65-year-old man can expect to live to about 84, while a 65-year-old woman can expect to live to about 86. Our calculator accounts for your current age and adjusts accordingly.
Factors That Affect Life Expectancy: Many factors influence how long you'll live:
- Age: Life expectancy increases as you age (you've survived many risks)
- Gender: Women typically live 5-6 years longer than men
- Smoking: Smoking reduces life expectancy by 7-10 years
- Exercise: Regular exercise can add 3-5 years to life expectancy
- BMI: Being overweight or obese reduces life expectancy
- Family History: Genetics play a role in longevity
- Chronic Diseases: Conditions like diabetes and heart disease reduce life expectancy
Planning for Longevity: When planning for retirement, it's wise to plan for a longer life than average. Many people underestimate their life expectancy, which can lead to running out of money in retirement. Consider planning for at least age 90-95, especially if you're in good health. Our calculator helps you estimate your life expectancy so you can plan accordingly. Use our retirement savings goal calculator to ensure your savings last.
Improving Life Expectancy: While you can't change your age, gender, or genetics, you can improve other factors:
- Quit smoking (can add 7-10 years)
- Exercise regularly (can add 3-5 years)
- Maintain a healthy weight (can add 2-5 years)
- Manage chronic diseases with proper medical care
- Eat a healthy diet and get regular checkups
Official Sources: For official life expectancy data and statistics, visit theCDC Life Expectancy Data and theSocial Security Administration Life Tables.
Frequently Asked Questions - Life Expectancy Calculator
Life expectancy depends on many factors including age, gender, health, lifestyle, and genetics. Our life expectancy calculator estimates your life expectancy based on these factors. However, life expectancy is an estimate and individual results vary significantly. The average life expectancy in the US is about 79 years, but this increases as you age because you've already survived many risks.
Life expectancy is critical for retirement planning because it determines how long your retirement savings need to last. If you live longer than expected, you may run out of money. If you underestimate your life expectancy, you may save more than necessary. Our calculator helps you estimate your life expectancy so you can plan your retirement savings to last throughout your lifetime. Many financial experts recommend planning for at least age 90-95 to be safe.
Factors that affect life expectancy include age, gender, smoking, exercise, BMI, family history, and chronic diseases. Age and gender are fixed, but lifestyle factors like smoking, exercise, and weight can significantly impact life expectancy. Our calculator accounts for these factors to provide a personalized life expectancy estimate. Making positive lifestyle changes can add years to your life expectancy.
Our life expectancy calculator provides estimates based on general population data and your inputs. It's not a medical diagnosis and individual results vary significantly. Many factors not included in the calculator (like genetics, medical history, access to healthcare) also affect life expectancy. For personalized health advice and more accurate estimates, consult with a healthcare provider. The calculator is most useful for retirement planning purposes to estimate how long your savings need to last.
For retirement planning, it's wise to plan for a longer life than average. Many financial experts recommend planning for at least age 90-95, especially if you're in good health. This ensures your retirement savings last throughout your lifetime. If you're in excellent health with no chronic diseases, consider planning for age 95-100. It's better to have money left over than to run out of money in retirement.
Ready for Comprehensive Retirement Planning?
Use our advanced retirement calculator for a complete analysis with Monte Carlo simulations, Social Security optimization, and personalized projections that account for your life expectancy.
Try Our Advanced Retirement Calculator