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Life Expectancy Calculator

Our calculator will provide you with the remaining life expectancy of the average Canadian of a particular age and gender, based on the most recent Statistics Canada life expectancy data*.






*Source:  Statistics Canada, Life Table for Canada (2020-2022).


0 yrs
99 yrs
40 Yrs


A 40 year old male is expected to live another

Life expectancy before age 65 is years.

Calculate Present Value:

To Life Expectancy To Age 65

Present Value Calculator

Our immediate present value calculator will provide you with the approximate present value of a future stream of $xxx.xx per year, paid monthly, for a given number of years. You will need to select the appropriate discount rate depending on the type of payments (level or indexed) to be made.

For tort claims in Ontario, the discount rate is set annually as per Rule 53.09 of the Ontario Rules of Civil Procedure and is noted as ON in the discount rate drop-down list.


Present Value Results:

The Present Value of $2500 per year, paid monthly, for 10 years using a discount rate of 3.00% is $21617.17

Court Award Inflation Calculator


Our calculator will provide the current value of a past Court award adjusted for inflation. The current value is calculated using the most recent Consumer Price Index data available. If you are unsure of the month of the Court Award, you can select the Average annual option ("Use Avg. Ann.").


A $ Court award in , adjusted for
inflation*, would be equivalent to $ in
of .


*Calculated using the Consumer Price Index for Canada, all-items, not seasonally adjusted historical data (2002 = 100).
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Keeping you informed in all matters related to structured settlements.


Please use the Seminar/Webinar Inquiry Form if you are interested in having a McKellar representative present on one or more of the following topics:

  • Introduction to Structured Settlements: Concepts & Key Terms
  • Advanced Structured Settlements: Concepts & Strategies
  • ODSP & More: Structured Settlement Developments for Personal Injury Practitioners
  • Understanding Accident Benefits Valuations
  • Structured Settlements for Vulnerable Clients
  • Present Value and The McKellar Slide Rule
  • Comparing Structured Settlements to Traditional Investments: Understanding the True Rate of Return


Lawyers in Ontario should note that our seminars qualify for substantive CPD credits with the Law Society of Upper Canada.

If you are interested in hosting a seminar/webinar, please contact us by email.