What is my life expectancy?
Enter your age and sex to see the average number of years left at that age, from the Social Security Administration’s 2023 period life table, and your chance of living to an age you choose.
- Life expectancy
- 38.59
At age 40, the SSA 2023 period life table gives 38.59 more years, to about age 78.59.
- Average age at death
- 78.59
- Chance of living to that age
- 20.1%
- Chance of dying within a year
- 0.31%
Life expectancy: 38.59. At age 40, the SSA 2023 period life table gives 38.59 more years, to about age 78.59.
What is the chance of being alive at each later age?
This calculator gives general information only. It is not medical advice and does not replace a doctor or other health care provider. Talk with a professional about your results. Terms of use
How to calculate
Looks up the average remaining years of life for an age and sex in the Social Security Administration’s 2023 period life table, and the chance of living to a chosen age.
Example with the default inputs (Age 40, Sex Male, Chance of living to age 90): At age 40, the SSA 2023 period life table gives 38.59 more years, to about age 78.59.
Method: Life expectancy = the SSA table’s period life expectancy for the age and sex; chance of living from age x to age N = (1 − q_x) × (1 − q_{x+1}) × … × (1 − q_{N−1}).
- The numbers come from the Social Security Administration’s 2023 period life table, used in the 2026 Trustees Report, for the Social Security area population.
- A period life table uses the death rates of one year (2023) for the rest of a life; it does not forecast future improvements, so it is not a personal prediction.
- Age is the exact age at the last birthday; the table does not know about health, habits or family history.
Worked examples
Each example is checked against the calculator on every build.
- Age 65, Sex Male, Chance of living to age 90 gives Life expectancy 18.12, Average age at death 83.12, Chance of dying within a year 1.6455%, Chance of living to that age 24.104558%.Source: SSA 2023 period life table (2026 Trustees Report): male at 65, life expectancy 18.12, death probability 0.016455
- Age 0, Sex Female, Chance of living to age 100 gives Life expectancy 81.06, Average age at death 81.06, Chance of dying within a year 0.5125%, Chance of living to that age 2.758197%.Source: SSA 2023 period life table (2026 Trustees Report): female at birth, life expectancy 81.06, q 0.005125
- Age 40, Sex Female gives Life expectancy 42.64, Average age at death 82.64, Chance of dying within a year 0.1643%.Source: SSA 2023 period life table (2026 Trustees Report): female at 40, life expectancy 42.64, q 0.001643
How it works
The calculator reads the Social Security Administration’s 2023 period life table (the table used in the 2026 Trustees Report). For each exact age x from 0 to 119 and each sex, the table gives:
- q(x): the probability of dying within one year, before age x + 1;
- e(x): the period life expectancy, the average number of years left at exact age x.
For your age (in whole years at your last birthday, 0 to 119) and sex:
- Life expectancy = e(x), exactly as the table gives it (two decimal places).
- Average age at death = x + e(x).
- Chance of dying within a year = q(x) × 100%.
- Chance of living to age N (N from x + 1 to 120) = (1 − q(x)) × (1 − q(x + 1)) × … × (1 − q(N − 1)) × 100%. No answer if N is not above x. The chance is shown to one decimal place.
The chart shows the chance of being alive at each later age, from your age to 120, with a straight line between whole ages, and marks your average age at death.
Assumptions
- A period life table applies the death rates of 2023 for the rest of a life. Real death rates change over time, so real lifetimes differ.
- The table is for the Social Security area population as a whole. It does not know your health, habits, income or family history.
- The table year is 2023. A newer table from a later Trustees Report would give slightly different numbers.
- This page gives general information. It is not medical or financial advice.
Worked examples by hand
A 65-year-old man, chance of reaching 90. The 2023 table gives e(65) = 18.12 years for males, so the average age at death is 65 + 18.12 = 83.12. q(65) = 0.016455, a 1.65% chance of dying before 66. Multiplying (1 − q) for ages 65 to 89 gives 0.24105, a 24.1% chance of reaching 90.
A girl at birth, chance of reaching 100. e(0) = 81.06 years for females; q(0) = 0.005125 (0.51%). The product of (1 − q) for ages 0 to 99 is 0.02758, a 2.8% chance of reaching 100.
A 40-year-old woman. e(40) = 42.64 years, so the average age at death is 82.64; q(40) = 0.001643, a 0.16% chance of dying within the year.
Other questions people ask
What is life expectancy at my age?
It is the average number of years still to live for people of your exact age and sex, if the death rates of one year applied for the rest of their lives. In the 2023 table, a 65-year-old man has 18.12 years on average, and a 65-year-old woman 20.66.
Why does my life expectancy go up as I get older?
Each year you live, you have avoided the deaths that could have happened in that year. So your expected age at death rises. At birth, a boy’s life expectancy is 75.79 years; a man who has reached 65 can expect to live to about 83.1.
What is a period life table?
A table built from the death rates of one calendar year, age by age. This page uses the 2023 table, which the Social Security Trustees used in their 2026 report. It does not assume that death rates will keep falling, so it is not a forecast for any one person.
How is the chance of reaching an age worked out?
The table gives, for each age, the chance of dying within a year. The chance of surviving each year is 1 minus that. Multiply those yearly chances from your age up to the target age. For a 65-year-old man, the chance of reaching 90 is about 24.1%.
Does this account for my health or habits?
No. It uses only age and sex. Smoking, health conditions, income and many other things change a person’s outlook, but they are not in this table.
Whose deaths are in the table?
The Social Security area population: residents of the 50 states and DC, the US territories, federal civilian employees and armed forces abroad and their families, and other US citizens abroad.