Estimate how long you'll live using the SSA 2022 actuarial table plus lifestyle modifiers for smoking, exercise, BMI, alcohol, and diet.
Period life expectancy from the U.S. Social Security Administration 2022 actuarial table. "Years remaining" is the average additional lifespan for a person at that exact age today:
| Current age | Male — additional years | Male — life expectancy | Female — additional years | Female — life expectancy |
|---|---|---|---|---|
| At birth (0) | 75.4 | 75.4 | 80.5 | 80.5 |
| 30 | 46.4 | 76.4 | 51.0 | 81.0 |
| 40 | 37.2 | 77.2 | 41.5 | 81.5 |
| 50 | 28.4 | 78.4 | 32.3 | 82.3 |
| 60 | 20.5 | 80.5 | 23.9 | 83.9 |
| 65 | 17.0 | 82.0 | 20.0 | 85.0 |
| 70 | 13.9 | 83.9 | 16.5 | 86.5 |
| 80 | 8.5 | 88.5 | 10.4 | 90.4 |
Lifestyle modifiers (smoking −10 yrs, daily exercise +4 yrs, BMI ≥ 30 −4 yrs, Mediterranean diet +2 yrs) are added on top of this baseline. Use the calculator above for a personalized estimate.
Enter your age, sex, BMI, smoking, exercise, alcohol, and diet. The life expectancy calculator uses the CDC/SSA baseline and adds lifestyle factors from Lancet, BMJ, and PLOS Medicine studies.
This life expectancy calculator combines the CDC/SSA 2022 period life table (your baseline by age and sex) with additive lifestyle adjustments from peer-reviewed research. Use it for retirement planning, financial planning, and motivation for healthier habits — not as a medical prediction.
We use the U.S. Social Security Administration 2022 period life table, which gives remaining life expectancy by age and sex. This is the same table SSA uses to calculate pension payments.
Lifestyle factors (smoking, exercise, BMI, alcohol, diet) add or subtract years based on Lancet 2013, Lancet 2018, PLOS Medicine 2012, and BMJ 2017 meta-analyses. Each modifier is additive.
Use the output as a planning tool for retirement savings, life insurance, and estate planning. Pair with a financial advisor for personal advice. For medical decisions, consult a physician.
It starts with the SSA 2022 period life table (your baseline by age and sex) and adds peer-reviewed lifestyle modifiers for smoking, exercise, BMI, alcohol, and diet. The total is your estimated life expectancy from birth.
As of 2022, U.S. life expectancy at birth is 77.5 years (76.1 male, 80.5 female — CDC National Center for Health Statistics). By age 65, expected additional years are about 19 for men and 21 for women.
Smoking has the biggest impact: current smokers lose about 10 years versus non-smokers (Lancet 2013). Obesity (BMI ≥ 30) reduces life expectancy by about 4 years. Daily exercise adds about 4 years.
No calculator can predict individual life expectancy. This tool uses population averages plus your lifestyle modifiers. Real outcomes depend on genetics, healthcare access, accidents, and many factors this calculator does not capture. Use it for retirement and insurance planning, not medical decisions.
Yes — this is a reasonable starting point. Most financial planners use period life tables (like SSA 2022) plus an assumption that you will live 2–5 years longer than the average for your cohort. Always pair calculator output with advice from a licensed financial advisor.
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
FAQ
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A life expectancy calculator is a free tool that estimates how long you will live based on your age, sex, and lifestyle factors (smoking, exercise, BMI, alcohol, diet). Our life expectancy calculator uses the SSA 2022 period life table as the baseline and adds peer-reviewed modifiers from Lancet, BMJ, and PLOS Medicine.
How it works
Our life expectancy calculator combines the SSA 2022 period life table with lifestyle modifiers for smoking, exercise, BMI, alcohol, and diet to estimate how long you will live.
Type your current age (18–100) and pick your sex. These two fields set the baseline from the SSA 2022 actuarial table.
Type your BMI, smoking status, alcohol use, weekly exercise frequency, and whether you follow a Mediterranean-style diet. Each factor adds or subtracts years based on peer-reviewed research.
Click Estimate life expectancy. The life expectancy calculator outputs your baseline, total years, years remaining from today, and a breakdown of every lifestyle adjustment. Use it for retirement and insurance planning, not medical decisions.