It's not a calculator. It's a pre-print of life expectancy for use in medicine - and actuarial studies. I've posted it here (it was about 3 weeks ago, though so I'll go find it again and edit this post.
It is probably going to affect life insurance rates as these studies come out - regardless of whether people believe or accept the news. It's based on the fact that most think CV will be endemic in our hemisphere for at least a decade. That's based on other viruses with similar contagion profiles. Very old people are probably not going to be able to develop full antibodies even with a vaccine. We're already seeing a decrease in people over 100, and soon it will be a decrease in the percentage of us who live to be 95. That affects overall LE quite a bit and of course, lots of 80 and 90 year olds will also continue to die (we had 2 in my city of 100,000 last night). So it will be rare to live to be 95, just as it is rare to live to be 105 today.
US life expectancy in the year 1900 was 65 for women, 60 for men.
ETA: Article is behind a pay wall (and the numbers are a bit worse than what I quoted): here's the relevant part:
//Years of life lost
For men the average YLL on adjusting for number and type of LTC as well as age was 13.1 (12.2–14.1). For women this value was 10.5 (9.7–11.3). The results were similar under the different assumptions for the age-multimorbidity association and in both sensitivity analyses, whether assuming strongly correlated or independent LTCs (Table 1). For comparison, the YLL based on age alone using the WHO tables was 14.0 and 11.8 for men and women, respectively.//
Here's the citation:
COVID-19 – exploring the... | Wellcome Open Research
There are other publications saying similar things (in fact, I know I saw a more optimistic study, which is what I quoted, but it was a pre-print and this one is I believe now published).
I'll find the others when I can. At any rate, I believe people should take this into consideration when planning for retirement and how they're going to live in retirement. Healthy life expectancy was already declining in the US, after a century of rising. But this is a big hit, this virus.