Interactive tools
Life & Annuity Calculators
Life expectancy, survival odds, and the actuarial value of lifetime income and insurance — computed from the U.S. Social Security Administration period life table.
1 · Life Expectancy & Survival
Remaining life expectancy at your age, and the probability of reaching a target age.
2 · Life Annuity & Insurance Pricing
The actuarial present value of $1/year for life, and the price of life insurance, at a chosen interest rate.
3 · Early / Delayed Income — Actuarial Reduction
If lifetime income normally starts at a target age, taking it earlier (or later) is adjusted so the value is actuarially fair.
4 · Mortality Curve
Annual probability of death (qₓ) by age, log scale — the classic actuarial curve.
Source & method. Mortality rates (qₓ) and life expectancy (eₓ) are the U.S. Social Security Administration 2021 Period Life Table (public domain); survivors (lₓ) are derived from qₓ. Annuity and insurance factors use standard life-contingency formulas with annual discounting and a benefit paid at the end of the year of death. A period table reflects one year's mortality across all ages and does not project future improvement, so it understates the life expectancy of people alive today. Educational use only — not financial, insurance, or retirement advice.