SSA Life Expectancy Calculator: The Same Tables, More Answers
This calculator uses the same source as Social Security's own: the actuaries' life tables from the 2026 Trustees Report. SSA's version returns one average. Ours adds your odds of reaching each age and a health setting, because an average is a poor number to plan around. (SSA: period life table)
| Age today | Men: more years | Women: more years |
|---|---|---|
| 65 | 18.1 | 20.7 |
| 70 | 14.7 | 16.8 |
Those are period-table figures — today's death rates frozen in place. The calculator's result comes from the cohort tables, which build in future improvement and usually add a year or so.
How Long Will I Live Calculator: Your Odds of 80, 90 and 100
From 65, about 45% of men and 57% of women reach 85, and 24% of men and 35% of women reach 90, on the period table. Reaching 100 is rare: about 3% of women and 1% of men. (2026 Trustees Report)
Read your result this way:
- Average age: half of people like you live longer than this.
- Odds of 90: a sensible planning horizon if they're above about 25%.
- Odds of 95–100: low, but not zero; guaranteed income covers this tail best.
Our take: plan for the tail, not the average
Plans built to the average run out for half the people who use them. For most healthy 65-year-olds, planning to 90 or 95 is the safer default — and for married couples, the second spouse's lifespan is the one that matters. Turn your odds into a claiming age on the Social Security break-even calculator, weigh a pension lump sum against the annuity, and stress-test savings with the how long will my money last calculator.