Life Expectancy After Retirement Calculator
Set your retirement age and see the average years ahead for someone who reaches it.
The average for someone who reaches 65. Many get more and many get fewer.
Every habit at its worst to its best, 14.0 to 23.4 years.
Already retired? Set it to your age now.
Free. Nothing you set here leaves your browser.
How many years will I live after I retire?
On average, a woman who reaches 65 has 21.7 more years, to about 86.7. A man who reaches 65 has 19.2, to about 84.2. At 62 it is 24.3 and 21.5. At 70 it is 17.7 and 15.6.
These are averages for people who reach the retirement age, not a forecast for you. Many get more and many get fewer. The line under the number shows how far the nine habits move it, from every habit at its worst to every habit at its best, with weight held at the average. The assessment asks your age and then a dozen questions and gives you your own estimate, free.
Where the number comes from
The figure is the remaining life expectancy at your retirement age, as the CDC's life tables publish it. It counts only the people who reach that age. Subtracting a retirement age from life expectancy at birth gives a smaller number, because that counts people who die before they retire. Why your life expectancy goes up as you get older explains the difference.
Behind it are the CDC's 2024 United States life tables (NVSR 75-05), read at the retirement age and your sex, with an allowance for mortality continuing to improve. The allowance puts the figure a little above the table, 0.9 years for a woman and 0.8 for a man at 65, 1.5 and 1.4 at 50, 0.4 and 0.4 at 80. If you would rather not say your sex, the page uses the midpoint of the women's and men's tables.
The figures are for the United States. Other countries differ.
If you are already retired
Set the slider to your age now and the figure counts from today. A woman of 70 has 17.7 more years on average and a man 15.6. At 75 it is 13.8 and 12.1. At 80 it is 10.3 and 9.0. Habits still move it, and the range line shows by how much. Past 80, the life expectancy calculator goes up to 100.
Life expectancy by retirement age
| Retire at | Women | Men | ||
|---|---|---|---|---|
| Years ahead | To age | Years ahead | To age | |
| 60 | 26.0 | 86.0 | 23.1 | 83.1 |
| 62 | 24.3 | 86.3 | 21.5 | 83.5 |
| 65 | 21.7 | 86.7 | 19.2 | 84.2 |
| 67 | 20.1 | 87.1 | 17.7 | 84.7 |
| 70 | 17.7 | 87.7 | 15.6 | 85.6 |
Average years ahead for someone who reaches the retirement age, and the age they live to, from the Longlevity engine on the CDC's 2024 life tables with the allowance for mortality continuing to improve. Retirement ages, not claiming ages. Nothing here is about benefits.
How it is made
The page runs in your browser with the same engine as every Longlevity page. Nothing you set here leaves the page, and nothing is stored. The button opens the assessment, which asks your age and then a dozen questions. The methodology page has every source behind the estimate and what it cannot tell you. The life expectancy calculator starts from the same average and adds smoking, activity, height and weight.
Frequently asked questions
How many years will I live after I retire?
On average, a woman who reaches 65 has 21.7 more years and a man 19.2. Set your retirement age and sex above for yours. It is an average for the people who reach that age, not a prediction about you, and your own number moves with your habits.
How many years do people usually live after retirement?
In the United States, a woman who reaches 65 has about 21.7 years ahead and a man 19.2, on average. At 62 it is 24.3 and 21.5. At 70 it is 17.7 and 15.6. The averages come from the CDC's 2024 life tables with an allowance for mortality continuing to improve.
What is the life expectancy of a 65 year old man?
A man who reaches 65 can expect 19.2 more years on average, to about 84.2, on our engine. The CDC's 2024 life table alone gives 18.4 years, to about 83.4. The difference is the allowance for mortality continuing to improve. His own number depends on how he lives, and the assessment estimates it in a dozen questions.
What is the life expectancy of a 65 year old woman?
A woman who reaches 65 can expect 21.7 more years on average, to about 86.7, on our engine. The CDC's 2024 life table alone gives 20.8 years, to about 85.8. The difference is the allowance for mortality continuing to improve. Her own number depends on how she lives, and the assessment estimates it in a dozen questions.
What is the life expectancy of a 70 year old?
A 70-year-old woman has 17.7 more years on average and a 70-year-old man 15.6, counted from today. Set the slider to 70 and pick your sex to see the figure and the range the habits span.
What is the life expectancy of a 75 year old?
A 75-year-old woman has 13.8 more years on average and a 75-year-old man 12.1, counted from today. In the CDC's life table, every year you live raises the age you can expect to reach, because the people who did not reach your age no longer count in your average.
How long do people live after retiring at 67?
About 20.1 years for a woman and 17.7 for a man, on average, so to about 87.1 and 84.7. The figures are for people who reach 67.
How long do people live after retiring at 62?
About 24.3 years for a woman and 21.5 for a man, on average, so to about 86.3 and 83.5. Retiring three years earlier adds about two and a half years of retirement, not three, because the average age at death also moves up a little between 62 and 65.
Why is this a little above the CDC table?
A standard life table assumes today's death rates stay frozen for the rest of your life. They have fallen over the long run, so the engine adds an allowance for mortality continuing to improve, described on the methodology page. At 65 the table alone gives 20.8 years for a woman and 18.4 for a man. The engine gives 21.7 and 19.2, so the allowance adds 0.9 and 0.8 years, and less at older ages. A calculator that quotes a life table without the allowance shows a slightly lower figure.
What is full retirement age?
Full retirement age is the age at which Social Security pays an unreduced retirement benefit. It is 66 for people born from 1943 to 1954, between 66 and 2 months and 66 and 10 months for people born from 1955 to 1959, and 67 for anyone born in 1960 or later. It is a benefits rule, not a health figure, and this page gives no advice about when to claim.
Do habits still matter after 65?
Yes. The range under the number runs from every habit at its worst to every habit at its best for someone who has reached the retirement age. For a man who reaches 65 it runs from about 13.1 to 21.9 years. It counts only the years after the retirement age, so it leaves out what habits do for reaching 65 in the first place.
How accurate is this?
No calculator can tell you the year you will die. A calculator can only be scored against recorded deaths in a large group followed for years. Some research tools have been tested that way. Ours has not yet been. What you can check is how it is built. Look for a current official life table, a named study behind every habit, a published method and a dated record of changes. Ours are on the methodology page and in the model changelog.