A science-based longevity estimator that accounts for your health, lifestyle, family history — and how AI-driven medical advances could impact your future.
Now that you have an estimate of how long you may live, make sure you have enough income to last your lifetime.
Calculate Your Retirement Number →This tool was developed using AI and informed by multiple peer-reviewed studies on mortality, lifestyle factors, and actuarial data from the US Social Security Administration. It considers 15+ individual factors across four categories — demographics, lifestyle, health, and family history — to produce a personalized estimate of your lifespan.
Unlike simple life-expectancy tables that only use age and gender, this calculator accounts for factors that research has shown to significantly impact longevity: exercise habits, smoking status, social engagement, chronic conditions, BMI, blood pressure, and family history. It also includes an optional adjustment for potential AI-driven medical advances.
Most people underestimate how long they’ll live. A 65-year-old couple today has a 50% chance that at least one spouse will live past 90. If you plan for 85 but live to 95, you’ll need 10 extra years of income. That’s why realistic lifespan estimates are critical for retirement planning.
Annuities are the only financial product that can guarantee income for life, no matter how long you live. A multi-year guaranteed annuity (MYGA) locks in today’s rates for safe growth, while an immediate annuity (SPIA) converts savings into guaranteed monthly payments. Use our retirement income calculator to find out how much you’ll need.
When enabled, this feature adds 5–10 years to your estimate based on the potential impact of AI-driven medical advances over the coming decades. These include AI-powered medical imaging and early cancer detection, accelerated drug discovery and personalized treatments, genomic medicine and targeted therapies, and predictive diagnostics that catch diseases before symptoms appear.
This adjustment is speculative but grounded in current trends. Major institutions including the WHO and NIH have published research suggesting AI could meaningfully extend human lifespans. You can toggle this feature on or off to see both estimates.