The number of annual withdrawals you expect to take from your retirement plan. Enter “1” for a lump-sum distribution. On average, a 65-year-old can expect to live about 20 more years. You may want to plan on your retirement lasting 20 years or more. The life expectancy table below may help you make an estimate.

Use this table to estimate the number of years you may spend in retirement.

Life expectancy table

Age Life expectancy (additional years expected to live) Age Life expectancy (additional years expected to live)
5 77.7 59 26.1
6 76.7 60 25.2
7 75.8 61 24.4
8 74.8 62 23.5
9 73.8 63 22.7
10 72.8 64 21.8
11 71.8 65 21.0
12 70.8 66 20.2
13 69.9 67 19.4
14 68.9 68 18.6
15 67.9 69 17.8
16 66.9 70 17.0
17 66.0 71 16.3
18 65.0 72 15.5
19 64.0 73 14.8
20 63.0 74 14.1
21 62.1 75 13.4
22 61.1 76 12.7
23 60.0 77 12.1
24 59.1 78 11.4
25 58.2 79 10.8
26 57.2 80 10.2
27 56.2 81 9.7
28 55.3 82 9.1
29 54.3 83 8.6
30 53.3 84 8.1
31 52.4 85 7.6
32 51.4 86 7.1
33 50.4 87 6.7
34 49.4 88 6.3
35 48.5 89 5.9
36 47.5 90 5.5
37 46.5 91 5.2
38 45.6 92 4.9
39 44.6 93 4.6
40 43.6 94 4.3
41 42.7 95 4.1
42 41.7 96 3.8
43 40.7 97 3.6
44 39.8 98 3.4
45 38.8 99 3.1
46 37.9 100 2.9
47 37.0 101 2.7
48 36.0 102 2.5
49 35.1 103 2.3
50 34.2 104 2.1
51 33.3 105 1.9
52 32.3 106 1.7
53 31.4 107 1.5
54 30.5 108 1.4
55 29.6 109 1.2
56 28.7 110 1.1
57 27.9 111 and over 1.0
58 27.0