Free tool
Actuarial Life Expectancy Calculator
A free life expectancy calculator built on the SOA 2015 Valuation Basic Table (VBT) with MP-2021 mortality improvement — the same actuarial mortality tables insurers use to price and reserve policies across the U.S. Enter your age, gender, and smoking status for an instant estimate with a survival probability curve.
Want the personalized version?
Population tables treat everyone the same age as identical. Your health-adjusted estimate models your specific conditions, their interactions, lifestyle, and family history.It's free, and no account is needed.
What Makes This an Actuarial Calculator
An actuarial life expectancy calculator estimates longevity from actuarial mortality tables — the same statistical tables insurers, pension plans, and actuaries use to price risk — rather than a rough rule of thumb. Instead of guessing a round number, it reads the probability of death at each future age from a published table and sums the resulting survival curve. That is the difference between an actuarial estimate and a casual one: the math is the same math the industry runs on.
About This Calculator
This calculator uses mortality rates from the Society of Actuaries (SOA) 2015 Valuation Basic Table (VBT), the standard mortality table used for life insurance reserving in the United States. The VBT provides annual mortality rates (qx) by age, gender, and smoking status, built on insured lives rather than the general population.
How It Works
Starting from your current age, the calculator projects year-by-year survival probabilities using the VBT mortality rates with SOA Scale MP-2021 mortality improvement applied. This improvement projection adjusts rates from the 2015 base year to the current year, accounting for advances in healthcare. Life expectancy is computed as the sum of these survival probabilities (curtate expectation) plus a half-year adjustment for the fractional final year.
Important Limitations
- Population-level only — This does not account for individual health conditions, family history, lifestyle, medications, or functional status.
- Not medical advice — Results are for educational and planning purposes only.
- Includes mortality improvement — Rates are projected from the 2015 VBT base year to the current year using SOA Scale MP-2021 improvement factors, which account for expected advances in healthcare and mortality reduction over time.
Want a Personalized Estimate?
Actuarial tables like this one still treat everyone the same age, sex, and smoking status as identical. In reality, a healthy 65-year-old and a 65-year-old with multiple chronic conditions have very different life expectancies. Our free personalized longevity report and advisor reports model dozens of health conditions with comorbidity interactions, severity levels, treatment factors, and functional status — producing a personalized survival distribution with Monte Carlo confidence bands.