Percentile life expectancy calculator

The life expectancies most commonly quoted in official U.S. tables and reports are wrong for retirement planning on 4 counts:

• Mean vs. percentile - for retirement planning purposes you have to plan assuming you might live significantly longer than the mean reported value, such as the 95th percentile life expectancy, for which there is a 95% chance that you won't exceed
• Individual vs. couple - for many, what matters is the life expectancy of the last survivor
• Period vs. cohort tables - i.e. failure to take into account mortality improvement trends
• Average health is assumed - yet the life expectancies of those of below average health and above average health are quite different

Compute your life expectancy:

Sex: male female Age:
Spouse/partner: none male female Age:

Additional years of life expectancy if you are of average health (includes people with chronic illnesses and terminal conditions):

cohort mortality Based on Social Security Administration Actuarial Study No. 120
mean	percentile
	80th	90th	95th	98th	99th
-	-	-	-	-	-

Additional years of life expectancy if you are healthy (based on holders of annuities; inaccurate if you are young):

healthy cohort mortality Based on Society of Actuaries 2012 Individual Annuity Mortality Basic Table with Projection Scale G2 and 2005-13 Individual Annuity Experience Report contract years actual/expected rate adjustment
mean	percentile
	80th	90th	95th	98th	99th
-	-	-	-	-	-

Additional years of life expectancy typically reported in official tables (for comparison):

period mortality Based on Social Security Administration Period Life Table 2010

mean

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