Female Life Expectancy Table
Probability of Living to a Certain Age — Female
Retirement planning depends less on average life expectancy than on the odds of living well beyond it. This table shows the probability that a woman of a given age reaches each later age.
| Age | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 65 | 99% | 98% | 97% | 96% | 94% | 93% | 91% | 90% | 88% | 86% | 84% | 82% | 79% | 77% | 74% | 71% | 68% | 64% | 60% | 57% | 53% | 48% | 44% | 39% | 35% | 30% | 26% | 22% | 18% | 14% | 11% | 9% | 6% | 5% | 3% |
| 66 | 99% | 98% | 97% | 95% | 94% | 92% | 91% | 89% | 87% | 85% | 83% | 80% | 78% | 75% | 72% | 68% | 65% | 61% | 57% | 53% | 49% | 44% | 40% | 35% | 31% | 26% | 22% | 18% | 15% | 11% | 9% | 6% | 5% | 3% | |
| 67 | 99% | 98% | 96% | 95% | 93% | 92% | 90% | 88% | 86% | 84% | 81% | 78% | 76% | 72% | 69% | 66% | 62% | 58% | 54% | 49% | 45% | 40% | 36% | 31% | 27% | 22% | 18% | 15% | 12% | 9% | 6% | 5% | 3% | ||
| 68 | 99% | 97% | 96% | 94% | 93% | 91% | 89% | 87% | 85% | 82% | 79% | 76% | 73% | 70% | 66% | 63% | 58% | 54% | 50% | 45% | 41% | 36% | 31% | 27% | 23% | 19% | 15% | 12% | 9% | 7% | 5% | 3% | |||
| 69 | 99% | 97% | 96% | 94% | 92% | 90% | 88% | 86% | 83% | 80% | 77% | 74% | 71% | 67% | 63% | 59% | 55% | 51% | 46% | 41% | 37% | 32% | 27% | 23% | 19% | 15% | 12% | 9% | 7% | 5% | 3% | ||||
| 70 | 99% | 97% | 95% | 93% | 91% | 89% | 87% | 84% | 81% | 78% | 75% | 72% | 68% | 64% | 60% | 56% | 51% | 47% | 42% | 37% | 32% | 28% | 23% | 19% | 15% | 12% | 9% | 7% | 5% | 3% | |||||
| 71 | 98% | 97% | 95% | 93% | 91% | 88% | 85% | 83% | 80% | 76% | 73% | 69% | 65% | 61% | 57% | 52% | 47% | 42% | 38% | 33% | 28% | 24% | 19% | 16% | 12% | 9% | 7% | 5% | 3% | ||||||
| 72 | 98% | 96% | 94% | 92% | 90% | 87% | 84% | 81% | 78% | 74% | 70% | 66% | 62% | 58% | 53% | 48% | 43% | 38% | 33% | 28% | 24% | 20% | 16% | 12% | 9% | 7% | 5% | 3% | |||||||
| 73 | 98% | 96% | 94% | 91% | 88% | 86% | 82% | 79% | 75% | 71% | 67% | 63% | 59% | 54% | 49% | 44% | 39% | 34% | 29% | 24% | 20% | 16% | 13% | 10% | 7% | 5% | 4% | ||||||||
| 74 | 98% | 96% | 93% | 90% | 87% | 84% | 81% | 77% | 73% | 69% | 64% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 16% | 13% | 10% | 7% | 5% | 4% | |||||||||
| 75 | 98% | 95% | 92% | 89% | 86% | 82% | 79% | 75% | 70% | 66% | 61% | 56% | 51% | 46% | 41% | 35% | 30% | 25% | 21% | 17% | 13% | 10% | 7% | 5% | 4% | ||||||||||
| 76 | 97% | 94% | 91% | 88% | 84% | 80% | 76% | 72% | 67% | 63% | 57% | 52% | 47% | 42% | 36% | 31% | 26% | 21% | 17% | 13% | 10% | 8% | 5% | 4% | |||||||||||
| 77 | 97% | 94% | 90% | 87% | 83% | 78% | 74% | 69% | 64% | 59% | 54% | 48% | 43% | 37% | 32% | 27% | 22% | 18% | 14% | 11% | 8% | 6% | 4% | ||||||||||||
| 78 | 97% | 93% | 89% | 85% | 81% | 76% | 71% | 66% | 61% | 55% | 50% | 44% | 38% | 33% | 28% | 23% | 18% | 14% | 11% | 8% | 6% | 4% | |||||||||||||
| 79 | 96% | 92% | 88% | 84% | 79% | 74% | 68% | 63% | 57% | 51% | 45% | 40% | 34% | 28% | 23% | 19% | 15% | 11% | 8% | 6% | 4% | ||||||||||||||
| 80 | 96% | 91% | 87% | 82% | 77% | 71% | 65% | 59% | 53% | 47% | 41% | 35% | 30% | 24% | 20% | 15% | 12% | 9% | 6% | 4% | |||||||||||||||
| 81 | 95% | 91% | 85% | 80% | 74% | 68% | 62% | 56% | 49% | 43% | 37% | 31% | 25% | 20% | 16% | 12% | 9% | 6% | 4% | ||||||||||||||||
| 82 | 95% | 89% | 84% | 78% | 71% | 65% | 58% | 52% | 45% | 38% | 32% | 27% | 21% | 17% | 13% | 9% | 7% | 5% | |||||||||||||||||
| 83 | 94% | 88% | 82% | 75% | 68% | 61% | 54% | 47% | 41% | 34% | 28% | 22% | 18% | 13% | 10% | 7% | 5% | ||||||||||||||||||
| 84 | 94% | 87% | 80% | 73% | 65% | 58% | 50% | 43% | 36% | 30% | 24% | 19% | 14% | 11% | 8% | 5% | |||||||||||||||||||
| 85 | 93% | 85% | 78% | 70% | 62% | 54% | 46% | 39% | 32% | 25% | 20% | 15% | 11% | 8% | 6% | ||||||||||||||||||||
| 86 | 92% | 84% | 75% | 66% | 58% | 50% | 42% | 34% | 27% | 22% | 16% | 12% | 9% | 6% | |||||||||||||||||||||
| 87 | 91% | 82% | 72% | 63% | 54% | 45% | 37% | 30% | 23% | 18% | 13% | 9% | 7% | ||||||||||||||||||||||
| 88 | 90% | 79% | 69% | 59% | 50% | 41% | 33% | 26% | 20% | 14% | 10% | 7% | |||||||||||||||||||||||
| 89 | 88% | 77% | 66% | 55% | 46% | 37% | 29% | 22% | 16% | 12% | 8% | ||||||||||||||||||||||||
| 90 | 87% | 75% | 63% | 51% | 41% | 32% | 25% | 18% | 13% | 9% | |||||||||||||||||||||||||
| 91 | 86% | 72% | 59% | 47% | 37% | 28% | 21% | 15% | 10% | ||||||||||||||||||||||||||
| 92 | 84% | 69% | 55% | 43% | 33% | 24% | 17% | 12% | |||||||||||||||||||||||||||
| 93 | 82% | 66% | 52% | 39% | 29% | 21% | 14% | ||||||||||||||||||||||||||||
| 94 | 80% | 63% | 48% | 35% | 25% | 18% | |||||||||||||||||||||||||||||
| 95 | 78% | 60% | 44% | 32% | 22% | ||||||||||||||||||||||||||||||
| 96 | 76% | 56% | 40% | 28% | |||||||||||||||||||||||||||||||
| 97 | 74% | 53% | 37% | ||||||||||||||||||||||||||||||||
| 98 | 72% | 50% | |||||||||||||||||||||||||||||||||
| 99 | 69% |
Gold outline marks the median — the age where the odds pass 50%.
How to read this table
Find the row for your current age, then read across to the column for the age you want to reach. The percentage is the probability of surviving from the first age to the second, based on the Social Security Administration's period life table.
Women face a longer planning horizon
Women show lower mortality rates than men at every age, so their survival percentages run higher across the board. A woman of 65 has a median survival age of 86, three years beyond the male figure, and 35% of women aged 65 today will reach 90 compared with 24% of men.
A longer horizon is not simply good news. It means more years of portfolio withdrawals, more exposure to inflation, and a higher likelihood of facing significant long-term care costs. It also means women are far more often the surviving spouse, and more often the one managing household finances alone in later life.
The 50% mark
Wherever a row crosses 50%, that age is the median for someone at that starting age. Half the women who start at that age will outlive it and half will not.
Why this matters for planning
Because women's outcomes skew longer, the cost of planning to the median is higher for them. Planning toward the 25% or 10% probability age — rather than the midpoint — is a more conservative approach, particularly for decisions that are difficult to reverse: annuity elections, Social Security claiming age, and long-term care coverage.
A few other things to keep in mind
- This is a period table. It applies a single calendar year's mortality rates across all future years rather than projecting continued improvements in life expectancy.
- The figures reflect the general U.S. female population and do not account for health status, family history, lifestyle, or socioeconomic conditions.
- If you are married, see the joint survival table, which shows the probability that at least one spouse is still living.
Source: Social Security Administration, Office of the Chief Actuary, Period Life Table for 2023 (2026 Trustees Report), and Fintegrity calculations. Figures rounded to the nearest whole percent.
Download this table (PDF)Disclaimer
The life expectancy tables presented on this page are derived from data published by the Social Security Administration's Office of the Chief Actuary and reflect period life table methodology, which applies a single calendar year's mortality experience across all future years rather than projecting future improvements in mortality. These tables are provided for general educational and illustrative purposes only and do not constitute a prediction, guarantee, or actuarial certification of any individual's actual life expectancy or survival probability.
Individual outcomes can vary substantially from population-level averages due to factors such as personal health history, family medical history, lifestyle, socioeconomic status, and access to healthcare, none of which are reflected in this data. The figures should not be used as the sole basis for any financial, insurance, retirement, or estate planning decision. Fintegrity LLC recommends that visitors consult with a qualified financial advisor, actuary, or other professional to obtain guidance tailored to their specific circumstances before making decisions based on life expectancy assumptions.
Fintegrity LLC makes no representation or warranty as to the accuracy, completeness, or timeliness of the underlying data, which is subject to periodic revision by the Social Security Administration. This information is not investment, legal, or tax advice, and its use is at the visitor's own discretion and risk.