Life Expectancy Tables
Fintegrity® LLC — Survival Probability by Age
Why survival probability beats average life expectancy
Most retirement conversations begin with a single number: average life expectancy. It is the wrong number to plan around. An average tells you the midpoint of a distribution. It tells you nothing about the range — and in retirement planning, the range is the entire problem.
A more useful question is: what are the odds of reaching a given age? That is what these tables answer. They show the probability that someone at a given age today survives to each later age, drawn from Social Security Administration mortality data.
Scroll sideways to see the full chart →
Pick the table that fits your situation
What these tables are for
They are planning tools, not predictions. Their value is in showing how wide the range of outcomes is, and how much longer a meaningful minority of people live than the average suggests. That gap is where the real planning risk sits: a portfolio built to last to average life expectancy will fall short for roughly half the people who use it.
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. The couples figures assume both spouses are the same age today and that their survival is independent.
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.