Longevity Calculator

It would be nice to have a crystal ball to tell us how long we need to plan for in retirement, but the truth is that none of us know for sure. What we do know is that we're all living longer these days, and the last thing that we want is to run out of money in retirement.

Our Longevity Calculator can help give you an indication of how long you are likely to live, based on your age and the quality of your health. It's based on complex data from the UK Pensions Industry* – but it's important to know that your results aren't set in stone – they are just an indication of how long you are likely to live.

These definitions will help you:

Good health – This doesn't mean that you run marathons regularly! It simply means you're likely to be a non-smoker, neither over nor underweight and don't have any medical conditions.

Average health – You are neither in perfect health nor suffering from any serious long-term illness. You might be a little overweight and/or your blood pressure or cholesterol may be higher than your doctor would like.

Poor health – Perhaps you’ve had a more serious condition like cancer, a heart attack or a stroke. Or you have diabetes which is difficult to control or you’re a heavy smoker.

*The Continuous Mortality Investigation (2015)


What next?

Once you've worked out the length of retirement you are planning for, you might want to consider how much your retirement might cost by looking at our Retirement Budget Planner. It's also useful to look at how much tax you are going to have to pay.