Calculate Life Expectancy According to the IRS

IRS Life Expectancy Calculator Sign

This calculator will calculate life expectancy based on how long the IRS is betting you will live, and then display your "Life Odometer" based on that result.

The calculator is based on Table I from IRS Publication 590-B (2021), which is one of three IRS tables used to determine Required Minimum Distributions (RMDs) for qualifying retirement plans (IRAs, 401ks, etc.).

And since I'm using these tables to create other calculators in this section, I thought I would put Table I into a free-standing calculator -- just in case you're interested in seeing how long the IRS is betting you will live.

Please keep in mind that the IRS uses actuarial averages, i.e., they don't account for your specific gender, health habits, or family genes, so don't rush out and make your funeral arrangements for the year this calculator spits out. It is for amusement purposes only!

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IRS Life Expectancy Calculator

Calculate life expectancy according to the Internal Revenue Service.

Special Instructions

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Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Current year:Current year:Current year:Current year:

Current year:

Enter the current 4-digit year.

Current age:Your current age:Your current age:Your current age:

Your current age:

Enter your current age.

Years left:Years remaining:Years remaining per the IRS:Years remaining per the IRS:

Years remaining per the IRS:

Based on your entries and the IRS Life Expectancy Table I, this is the number of years you have remaining in your lifetime.

LE age:Life expectancy age:Age you will live to:Age you will live to:

Age you will live to:

If the IRS Table I is accurate, this is the age you will live until.

LE year:Life expectancy year:Calendar year you will live until:Calendar year you will live until:

Year you will live until:

If the IRS Table I is accurate, this is the calendar year you will live until.

If you would like to save the current entries to the secure online database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Help and Tools

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.