Life Expectancy Quiz to Estimate
Lifetime and Retirement Years

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Interactive quiz that gives you a rough estimate of your life expectancy based on your answers to 23 multiple choice questions.

This online life expectancy quiz will calculate a rough estimate of how long you will live based on your age, gender, and your answers to the 23 test questions.

The quiz is based on questions listed on the Minnesota State Retirement System website (opens new window), which reports that while there is no way to accurately forecast life expectancy, the "test provides a life insurance company's statistical view of your life expectancy."

The quiz results also include:

  • The number of years remaining in your life expectancy.
  • The estimated number of years you will spend in retirement.
  • The calendar year of the end of your estimated life expectancy.
  • A bullet list of changes you can make to increase your life expectancy.
  • Your Lifetime Usage Meter.

Note that you may want to compare the results on this page with the IRS estimate of your life expectancy.

With that, let's see how long life insurance companies expect you to live until.

Calculate Life Expectancy Quiz
Calcy sign introducing Life Expectancy Quiz


Instructions: Enter the current year, your current age, then select your gender.

Next, choose the most appropriate answer for each of the 23 questions listed, and then click the "Calculate Life Expectancy" button.

Assumptions: The test assumes you are between the ages of 25 and 65 and are in relatively good health.

Current year (4 digits):
Your age:
Age you plan to retire at (or current age if already retired):
Gender: Female
Male
I live in urban area with over 2 million people Yes
No
One of my grandparents lived to age 85 or over Yes
No
All four grandparents lived to age 80 or over Yes
No
A parent died of a stroke or heart attack before 50 Yes
No
A parent, brother or sister under age 50 has (or had) cancer or a heart condition, or has diabetes Yes
No
I personally earn over $60,000 a year Yes
No
I finished college Yes
No
I have a graduate or professional degree Yes
No
I am still working Yes
No
I live with a spouse or friend Yes
No
Number of 10-year periods I have lived alone since age 25
I work behind a desk Yes
No
My work requires heavy physical labor Yes
No
I exercise strenuously (tennis, running, etc.) at least 1/2 hour ... 5x/wk
3x/wk
0x/wk
I sleep more than 10 hours each night Yes
No
I am intense, aggressive and/or easily angered Yes
No
I am easy-going and relaxed Yes
No
I am generally ... Happy
Unhappy
In between
I have had a speeding ticket in the last year Yes
No
Number of packs of cigarettes I smoke per day 2+
1-2
1/2-1
0
I drink the equivalent of two drinks of hard liquor a day Yes
No
Number of pounds I am overweight by 50+
30-50
10-30
< 10
I see a gynecologist once a year Yes
No
Life expectancy age:
Estimated years remaining:
Retirement years:
Life expectancy year:

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National Average: Below is a life expectancy chart showing the average American life expectancy.

Average Life Expectancy USA
Age Now Male Female
0 - 10 69.8 77.2
11 - 19 70.3 77.5
20 - 29 71.2 77.8
30 - 39 71.3 77.9
40 - 49 73.5 79.4
50 - 59 76.1 79.0
60 - 69 80.2 83.6
70 - 79 85.9 87.7
80 - 90 90.0 91.1

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