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How long will your money need to last?

The single most important variable in retirement planning is the one nobody wants to guess at. Answer a few questions across four short steps for a personalized estimate.

Demographics
Lifestyle
Health
Family & Well-being
Step 1 of 4

A little about you.

Basic demographics. Everything stays in your browser unless you choose to email the full report.

Female
Male
Single
Married
Divorced
Widowed
High school
Some college
College
Graduate
Desk / sedentary
Manual / physical
High-risk (first responder, military, etc.)
Retired
Other / not working
Step 2 of 4

Lifestyle.

Daily habits that affect longevity more than most people realize.

Never
Former
Current
None
Light / moderate
Heavy
Rarely / never
1–2 / week
3–4 / week
5+ / week
Low
Medium
High
Step 3 of 4

Health.

A more accurate picture of where you stand today.

Excellent
Good
Fair
Poor
No difficulty
Some
Significant
Step 4 of 4

Family history & well-being.

Longevity runs in families, and how you feel matters too.

Early deaths (any before 60)
None past 80
1 lived past 80
Multiple past 80
Low
Medium
High
Your Longevity Estimate
โ€”
years, statistically

You may live to about โ€”. That's โ€” more years to plan for.

Retirement runway
โ€”
years of income needed from your retirement date
50/50 chance you outlive this
โ€”
There's a coin-flip probability your actual lifespan runs longer than this estimate.

An estimate isn't a promise — but underestimating longevity is one of the largest hidden risks in retirement planning. Most retirees plan for their "average" lifespan and end up running short in their 90s.

An annuity is one of the few financial instruments that solves this specific problem: it can pay a guaranteed income for as long as you live, no matter how long that turns out to be. Whether that's the right fit depends on the annuity you already own (or are considering).

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How this estimate works. Base life expectancy comes from Social Security Administration period life tables, adjusted for demographics, lifestyle, health, family history, and well-being factors you provided. This is an educational tool for retirement planning; it is not medical advice and does not predict any individual's actual lifespan. For personal medical projections, consult your physician. For retirement income planning tailored to your situation, please talk to us.
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