Build actuarial life tables from mortality data. Calculate life expectancy, survival probabilities, and force of mortality curves.
An age-indexed mortality schedule is turned into survivor counts, deaths, survival probabilities, remaining person-years, and life expectancy at each age. The calculator follows a hypothetical cohort as its members pass through successive age intervals, then summarizes the resulting mortality pattern with a force-of-mortality curve. The common surprise is that life expectancy at age x means expected remaining years conditional on surviving to x. It is not a personal lifespan prediction, and it becomes an expected attained age only after adding x.
Each row describes an age interval. Its mortality input determines q_x, the probability of dying before the next listed age, and p_x = 1 - q_x. Starting from a radix, the table carries survivors forward and derives deaths from the decrease in survivors. Rescaling the radix changes survivor and death counts, but not probabilities or life expectancy.
For every interval, person-years lived are combined with all later intervals to obtain T_x, the future person-years remaining above age x. Dividing T_x by l_x gives e_x, expected remaining lifetime among survivors to x. The force-of-mortality curve expresses age-specific hazard; interpret its shape at the resolution of the supplied age intervals.
No. It is the arithmetic mean of remaining lifetimes implied by the entire mortality schedule, conditional on survival to age 65. Adding 65 gives the corresponding mean attained age under that schedule, but neither value predicts an individual's death. Individual outcomes vary widely, and the input schedule may not represent that person's population or future conditions.
No, unless the input specifically identifies the value as a rate and performs the required conversion. A mortality rate uses deaths per unit of exposure, whereas q_x is the conditional probability of dying during an interval. Treating one as the other can distort survivor counts, life expectancy, and the force-of-mortality curve, especially for wide intervals or high mortality.
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