Odds of Living to 100
A 65-year-old American man has a 1.3% chance of living to 100, and a 65-year-old woman 3.2%, according to the SSA 2023 period life table, 2026 Trustees Report.
Reaching 100 is rare but not vanishingly so. At 2023 death rates, about 999 of every 100,000 baby boys and 2,758 of every 100,000 baby girls would become centenarians.
Source: SSA Actuarial Life Table (2023 period table, 2026 Trustees Report).
Odds of living to 100 by current age and sex
| Current age | Men | Women | Women ÷ men |
|---|---|---|---|
| Birth | 1.0% | 2.8% | 2.76× |
| 20 | 1.0% | 2.8% | 2.75× |
| 30 | 1.0% | 2.8% | 2.72× |
| 40 | 1.1% | 2.8% | 2.69× |
| 50 | 1.1% | 2.9% | 2.64× |
| 55 | 1.1% | 2.9% | 2.61× |
| 60 | 1.2% | 3.0% | 2.56× |
| 65 | 1.3% | 3.2% | 2.50× |
| 70 | 1.4% | 3.3% | 2.41× |
| 75 | 1.6% | 3.7% | 2.30× |
| 80 | 2.0% | 4.3% | 2.17× |
| 85 | 2.8% | 5.6% | 1.98× |
| 90 | 5.2% | 9.0% | 1.73× |
| 95 | 15.8% | 21.9% | 1.39× |
Men have a better-than-even chance of reaching 100 from age 99 onward (65.1% at 99). Women have a better-than-even chance of reaching 100 from age 99 onward (69.3% at 99).
How the odds are calculated
A period life table follows an imaginary group of 100,000 newborns through the death rates observed in one year (2023 here). The survivors column, l(x), says how many are still alive at each exact age. The chance of reaching 100 from any current age is a single division:
Men, x = 65: 999 ÷ 79,084 = 1.3%
Women, x = 65: 2,758 ÷ 87,399 = 3.2%
Odds at the very oldest ages rest on relatively few deaths, so treat the figures for 95 and above as approximate. The table assigns the same death rates to men and women from age 109 onward. Even a 95-year-old woman has only a 21.9% chance of reaching 100.
Period odds vs your real odds
These are period figures: they assume 2023 death rates apply for the rest of your life. If death rates keep falling, as they have over most past decades, people alive today would do somewhat better than the table suggests. The figures are also averages for the whole population, healthy or not, so your own odds depend heavily on your health and habits.
For a personal figure, our free living to 100 calculator asks about your age, sex, country and everyday habits, then shows your estimated probability of reaching 100 alongside your projected lifespan. It is an educational estimate, not a prediction.
Frequently asked questions
What are the odds of living to 100?
It depends on your current age and sex. At birth, the odds are 1.0% for boys and 2.8% for girls. At 65 they are 1.3% for men and 3.2% for women (SSA 2023 period life table, 2026 Trustees Report).
How are the odds of living to 100 calculated?
Divide the number of survivors at age 100 by the number alive at your current age in the life table: P = l(100) ÷ l(current age). For a 65-year-old man that is 999 ÷ 79,084 = 1.3%.
Why do my odds of reaching 100 go up as I get older?
Every year you survive removes a year of risk from the calculation. A 75-year-old man has a 1.6% chance of reaching 100, compared with 1.3% at 65, because he has already outlived the people who died between 65 and 75.
Do women have better odds of living to 100?
Yes. At 65, a woman's chance of reaching 100 is 2.50 times a man's in the SSA table (3.2% vs 1.3%).
How many Americans are 100 or older?
The 2020 Census counted 80,139 centenarians, up 50% from 53,364 in 2010. That is about 2.4 per 10,000 people, and Hawaii had the highest share of any state (4.44 per 10,000). Most centenarians are women: 78.8% in 2020, down from 82.8% in 2010 (U.S. Census Bureau, Centenarians: 2020).
What are the odds of living to 105 or 110?
Much lower again. In the same SSA 2023 table, a 65-year-old man's chance of reaching 105 is about 1 in 1,069 and a woman's about 1 in 341. For 110 it is about 1 in 40,000 for men and about 1 in 12,000 for women. Even among people who have already reached 100, 7.4% of men and 9.3% of women would reach 105, and only 0.2% and 0.3% would reach 110. The table has just 2 men and 7 women per 100,000 births still alive at 110, so the 110 figures are very rough (SSA 2023 period life table, 2026 Trustees Report).
Do people who live to 100 avoid age-related diseases?
Many delay them rather than avoid them. In a New England Centenarian Study survey of 424 people aged 97 to 119, 43% of women and 24% of men had been diagnosed with a major age-related disease, such as heart disease, stroke, diabetes or cancer, before 80. Another 42% of women and 44% of men stayed free of these diseases until at least 80, and 15% of women and 32% of men reached their 100th year without any of them. For heart disease, non-skin cancer and stroke alone, 83% of women and 87% of men delayed them past 80 or never had them (Evert et al., J Gerontol A 2003). Health histories were self- or proxy-reported, so treat these figures as approximate.
Related pages
Life expectancy by age: full table, 0 to 100 · Odds of living to 80 · Odds of living to 85 · Odds of living to 90 · Odds of living to 95
Sources and method
- Social Security Administration, Office of the Chief Actuary. Actuarial Life Table: 2023 period life table for the Social Security area population, as used in the 2026 Trustees Report. www.ssa.gov/oact/STATS/table4c6.html
- U.S. Census Bureau. The U.S. Centenarian Population Grew by 50% Between 2010 and 2020 (press release for the report Centenarians: 2020, September 22, 2025). www.census.gov/newsroom/press-releases/2025/centenarian-population.html
- Evert J, Lawler E, Bogan H, Perls T. Morbidity profiles of centenarians: survivors, delayers, and escapers. J Gerontol A Biol Sci Med Sci. 2003;58(3):232-237. doi.org/10.1093/gerona/58.3.m232
Remaining life expectancy e(x) and survivors l(x) are taken directly from the SSA table (captured 2026-10-19). Survival odds are computed as l(target age) ÷ l(current age). Median ages are interpolated linearly between whole years of the l(x) column. See our methodology for how the personalised calculator builds on these baselines.
Educational estimate, not medical advice. These figures are population averages from a US period life table. They describe groups, not individuals, and do not account for your health, habits or family history. Talk to a doctor about your own health. See our medical disclaimer.