§ Calculator · Personal
Life-expectancy estimator
What this is
Coarse estimate of remaining life-years for retirement-planning horizons.
Starts with StatCan 2020-2022 cohort life tables, adjusts for smoking (-10 yrs), self-reported health (±3-6 yrs), and family longevity (+2 yrs). Useful when deciding whether to defer CPP, buy annuities, or size LTC coverage.
- ·Canadian average at birth: male 79.5, female 84.0.
- ·Conditional on reaching 65: male +18, female +21 more years.
- ·These are point estimates — variance is huge. 25% of 65-year-olds live to 95+.
Sex
Self-reported health
Years remaining
35.7
Expected age at death
85.7
StatCan 2020-2022 life table. Numbers are population averages; individual outcomes vary widely. Cancer history, chronic conditions, occupation, and socioeconomic factors all matter and aren't captured here.
Disclaimer
Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting. Not for medical or insurance underwriting. For retirement planning only — and even then, plan 5-10 years past your estimate to be safe.