Free Life Expectancy Calculator
Estimate population-level life expectancy based on the SOA 2015 Valuation Basic Table (VBT) — the same actuarial mortality tables used by insurance companies across the U.S. Enter your age, gender, and smoking status for an instant result.
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 population-level annual mortality rates (qx) by age, gender, and smoking status.
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?
Population tables treat everyone the same age as identical. In reality, a healthy 65-year-old and a 65-year-old with multiple chronic conditions have very different life expectancies. Our full longevity reports model 50+ health conditions with comorbidity interactions, severity levels, treatment factors, and functional status assessments — producing a personalized survival distribution with Monte Carlo confidence bands.