📊 Actuarial Calculator

Your Personal Longevity
Probability Calculator

Based on SSA cohort life tables, CDC county mortality data, and published hazard ratios. Not a national average — your result reflects your health profile and where you live.

Your Profile

All fields used in calculation. Takes 90 seconds.

Type 2 Diabetes
Heart Disease / CVD
Cancer History
Hypertension
COPD / Lung Disease
Chronic Kidney Disease

Results are statistical probabilities, not medical advice. Sourced from SSA & CDC.

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Your results will appear here

Fill in your profile and click Calculate to see your personalized survival probability curve and retirement planning implications.

Note: The numbers you're about to see are drawn from Social Security Administration and CDC actuarial data — the same tables used by researchers and planners nationwide. They show statistical probabilities for people with similar characteristics, not a prediction about your life. Use them as a planning prompt, not a verdict. For guidance specific to your situation, a licensed professional is always the right next step.
Your Longevity Profile
65-Year-Old Male - Miami-Dade County, FL
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50th Percentile Life Expectancy
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75th Percentile (Plan To)
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90th Percentile Tail Risk
Survival Probabilities from Your Current Age
Probability you will still be alive at each future age, based on your personal risk profile.
Survival Curve - Your Profile vs. National Average
Probability of survival at each age.
Your Profile
National Average
50% Line
Risk Factor Breakdown

How each factor adjusts your baseline mortality hazard.

Social Security Strategy for Your Profile

Delay to 70

Know Your Number. Protect Your Plan.

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Methodology Baseline q_x from SSA 2024 Cohort Life Tables. Geographic scalar from USALEEP census tract data. Hazard ratios from published clinical studies (NHANES, NHS/HPFS, CMS CCW). This tool produces statistical probabilities, not medical diagnosis.