UK life expectancy for retirement planning
How long might your retirement need to last?
Enter your age and sex, and your partner's if you plan together. You'll see the chance of each of you, at least one of you and both of you still being alive in a given number of years. The figures use the latest ONS mortality projections and, if you add a postcode in England, your local area.
Working out your figures…
One-page A4 report with the table and chart. Created on your device.
- These figures are for the population, not personal predictions. Your own health and lifestyle matter a great deal.
- "At least one" is when the second of you is likely to die, the usual horizon for joint retirement income. "Both" is when the first is.
- Your postcode is looked up on your device and never sent anywhere. How the figures are worked out.
Making sense of the numbers
How to read your results
What a 25% chance means, and which row to plan around.
Planning as a couple
Why joint income needs to last longer than either life expectancy.
Longer than you think
Why life expectancy at birth understates life expectancy at 65.
What changes your figures
Smoking, health and family history, and how far they move the averages.
Where the numbers come from
ONS projections, cohort vs period, and the postcode adjustment.