Estimate your life expectancy based on key lifestyle factors — and what it means for your retirement planning.
Lifestyle-adjusted longevity estimate
Estimated range based on lifestyle optimisation
Life expectancy estimates are one of the most underused inputs in financial planning. Underestimating longevity is one of the most common ways retirees run out of money — planning for 20 years of retirement when you live 30 years creates a serious shortfall in even well-saved portfolios.
The 4% rule (the basis of most retirement planning) was designed for a 30-year retirement horizon. If your lifestyle factors suggest longer-than-average longevity, a 3-3.5% withdrawal rate provides a stronger safety margin. Conversely, certain health factors may make other financial priorities more urgent.
Beyond finances, life expectancy estimates are useful for prioritising experiences. Knowing your active, healthy years are finite helps focus on what matters — whether that's travel, time with family, or taking professional risks while energy and health allow it.