| 1. At the top, enter the month and year of your birth and your gender. |
| 2. The program will default to the current date's month and year. However, you may adjust the calculation by clicking on the spinners to the right and left of each number. Click on the Today button to return to the current date. |
| 3. Your life expectancy is automatically calculated and displayed in years and age. |
| 4. Lastly, the 'percentage chance' determines the chance of living a given number of years. Changing the chance spinner will recalculate the 'years' and 'to age' numbers. You may also change the spinners of years or age to determine the chance of living in such a manner. Note that your life expectancy is shorter than the number of years you have a 50% chance of obtaining. The smaller the chance - the greater the amount of years. The female above will have a 5% chance of living to age 100. |
| The program is based on the most recent mortality table released by the Society of Actuaries: UP94. It assumes generational improvements (table AA), meaning a 50 year old today is not going to live as long as a 50 year old will 10 years from now (32.61 years vs. 33.59). |