About This Longevity Calculator

Our longevity estimator was developed using artificial intelligence and is informed by multiple peer-reviewed studies on life expectancy, including research from the Social Security Administration, the National Bureau of Economic Research, and longitudinal health studies.

Unlike simple actuarial table calculators, this tool considers 15+ individual factors across four categories — demographics, lifestyle, current health, and family history — to build a personalized estimate. It also uniquely accounts for how advances in AI-driven medicine (including improved diagnostics, accelerated drug discovery, and personalized treatment) may extend lifespans over the coming decades.

Why Longevity Matters for Retirement Planning

The single most important variable in retirement planning is how long your money needs to last. Underestimating your lifespan is one of the biggest risks in retirement — it can lead to running out of income in your 80s or 90s, precisely when you’re most vulnerable.

Annuities — particularly multi-year guaranteed annuities (MYGAs) and immediate annuities (SPIAs) — are specifically designed to provide income you cannot outlive. Using a realistic longevity estimate (rather than a generic “plan to age 85”) helps you build a retirement income plan that’s truly personalized.

How the AI Medical Advance Adjustment Works

When enabled, this feature adds an estimated 5–10 years to your baseline estimate. This adjustment is based on current trajectories in AI-driven medical research, including early cancer detection through AI imaging, AI-accelerated pharmaceutical research reducing drug development timelines, personalized medicine using genomic data, and predictive diagnostics identifying health risks years earlier. This is an optimistic but evidence-informed projection. You can toggle it on or off to see both estimates.