How Long Could Your Retirement Last?
Answer 14 simple questions — no math, no medical records — and we'll estimate the road ahead using the same actuarial tables the Social Security Administration uses, refined by what modern research says about how you live.
As you answer, watch the landscape grow with you: every answer adds to the scenery, and your road stretches toward the golden hour.
The road is not fixed.
Try re-paving it.
Flip a switch and we'll re-run your numbers with that one change. Every figure comes from published research — see the methodology below.
Your number is only the starting point — a plan is what protects it. Set up a free, no-obligation call with a RoseMark advisor to get more information, and work with us to stay healthy, protect your assets, and live a better life.
How this estimate is calculated
The baseline. We start with the Social Security Administration's most recent Period Life Table — the same mortality data SSA's own actuaries publish — which gives the average remaining life expectancy for an American of your age and sex.
The adjustments. Your answers adjust the underlying year-by-year mortality rates (not just the final number) using relative-risk figures from large published studies, including:
- Smoking — Jha et al., New England Journal of Medicine (2013): current smokers face roughly triple the mortality rate of never-smokers; quitting recovers most of the loss.
- Diabetes — Emerging Risk Factors Collaboration, NEJM (2011).
- Body mass index — Global BMI Mortality Collaboration, The Lancet (2016).
- Exercise — Arem et al., JAMA Internal Medicine (2015).
- Self-rated health — DeSalvo et al. meta-analysis, Journal of General Internal Medicine (2006).
- Education, income, marital status, and parental longevity — U.S. cohort studies including NIH-AARP and Health and Retirement Study findings.
Because these risk factors overlap (education, income, and health travel together), we deliberately dampen the combined effect rather than stacking every study at full strength, and effects taper at advanced ages, consistent with the research.
The odds. "Even odds," "1-in-4," and "1-in-10" come from your adjusted survival curve — the ages where your modeled probability of still being alive crosses 50%, 25%, and 10%.
Please read: This calculator is for education and planning conversation only. It is a statistical estimate about populations, not a prediction about you, and it is not medical, legal, or financial advice. Nothing here should change a medical decision — that conversation belongs with your doctor. AMAC is not a medical provider or financial advisor.