Age Calculator 2026 - Calculate Exact Age in Years, Months & Days

Calculate your exact age from date of birth with our free age calculator. Get precise age in years, months, days, weeks, hours, and even total days lived. Perfect for filling government forms, calculating retirement age, checking insurance eligibility, or simply knowing your exact age for any purpose. The calculator automatically handles leap years and varying month lengths for accurate results. Also useful for calculating age difference between two people, finding out how many days until your next birthday, or determining eligibility for age-restricted services. Essential tool for HR departments, schools, hospitals, and individuals needing precise age calculations. Works for any date from past to present with 100% accuracy using standard date calculation methods.

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Enter Your Date of Birth

Quick Tips:

  • • Select your exact date of birth from the calendar
  • • Age is calculated as of today: February 08, 2026
  • • Calculator handles all leap years automatically
  • • Results update instantly when you change the date

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How Age Calculation Works

Age Calculation Formula

Step 1: Calculate Years

Years = Current Year - Birth Year

Step 2: Calculate Months

Months = Current Month - Birth Month

If negative, subtract 1 from years and add 12 to months

Step 3: Calculate Days

Days = Current Date - Birth Date

If negative, subtract 1 from months and add days in previous month

Example Calculation

Birth Date: 15th March 1995 | Current Date: 8th February 2026

Step 1 - Years:
2026 - 1995 = 31 years (tentative)
Step 2 - Months:
February (2) - March (3) = -1
Since negative: 31 - 1 = 30 years, -1 + 12 = 11 months
Step 3 - Days:
8 - 15 = -7
Since negative: 11 - 1 = 10 months, -7 + 31 (days in Jan) = 24 days
Final Age: 30 years, 10 months, 24 days

Age Milestones in India

AgeLegal/Financial MilestoneSignificance
18 yearsLegal adult, voting rightsCan open bank account, invest, get credit card
21 yearsMarriage age for menEasier loan approvals, better insurance rates
25 yearsCareer establishmentGood time for term insurance, start investing
40 yearsMid-career peakFocus on retirement planning, health insurance
50 yearsPre-retirement phaseLast chance for major life insurance, wealth preservation
60 yearsRetirement, senior citizenTax benefits, senior citizen discounts, NPS maturity
80 yearsSuper senior citizenHigher tax deductions (₹1 lakh health), special care

Age-Based Financial Planning Guide

20s - Building Foundation

  • • Start emergency fund (3-6 months expenses)
  • • Get term insurance (₹1 crore for ₹500/month)
  • • Begin SIP investments (₹5,000-10,000)
  • • Build credit score
  • • Learn about investments
  • • Avoid unnecessary loans

30s - Wealth Creation

  • • Increase SIP contributions (20-30% of income)
  • • Plan home purchase
  • • Child's education planning
  • • Diversify investments (equity, debt, gold)
  • • Adequate life & health insurance
  • • Start retirement corpus

40s - Consolidation

  • • Maximize retirement contributions
  • • Pay off high-interest debts
  • • Review & rebalance portfolio
  • • Increase debt allocation (30-40%)
  • • Update insurance coverage
  • • Estate planning & will

50s - Pre-Retirement

  • • Clear all loans except home loan
  • • Move to safer investments (debt 50-60%)
  • • Calculate retirement corpus needed
  • • Maximize PPF, NPS contributions
  • • Review health insurance (₹10-20L min)
  • • Plan post-retirement income

60+ - Retirement

  • • Conservative portfolio (debt 70-80%)
  • • Systematic Withdrawal Plans (SWP)
  • • Senior citizen FDs (higher rates)
  • • Claim tax benefits (₹50k extra 80TTB)
  • • Focus on liquidity & safety
  • • Consider reverse mortgage if needed

Life Insurance Premium by Age

Age₹1 Cr Term Insurance (Annual Premium)Cost Increase vs 25yr
25 years₹8,000 - ₹10,000Base
30 years₹10,000 - ₹12,500+25%
35 years₹13,000 - ₹16,000+60%
40 years₹18,000 - ₹22,000+120%
45 years₹28,000 - ₹35,000+250%
50 years₹45,000 - ₹55,000+450%

*Premium for healthy non-smoker. Rates vary by insurer and health conditions.

Common Uses of Age Calculator

  1. Government Forms: Passport, Aadhaar, driving license applications require exact age.
  2. School Admissions: Age eligibility for nursery, KG, and primary admissions.
  3. Retirement Planning: Calculate years remaining until retirement age (58-60).
  4. Insurance Applications: Life and health insurance premiums depend on exact age.
  5. Loan Applications: Home loan eligibility and tenure based on current age.
  6. Legal Proceedings: Age verification for contracts, wills, and legal documents.
  7. Competitive Exams: UPSC, SSC, banking exams have age limits for application.
  8. Employment: Age verification for job applications and retirement benefits.

Frequently Asked Questions

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