Key Insight

The U.S. aging problem is moving from forecast to crisis faster than expected, because the primary economic buffer — older workers staying in the labor force longer — is now breaking down at the exact moment the dependency ratio is hitting its steepest ascent.

Generated by Claude on Apr 15, 2026

Aging and sub-replacement fertility

Tracking birth rates, age structure shifts, migration offsets, and labor market consequences of demographic decline.

Updated today.

Exclude COVID

Age Structure

U.S. Total Population

Absolute population level — the bottom line of births, deaths, and migration.

▲ +0.7% YoY

340.1T

Trend YoY growth is +0.7%, slowing by 1 bps/year over the last 63Y. Latest: +1.0%, 28 bps above trend, a 1.4σ deviation.

Level

YoY %

y = 1.3% 1 bps/yr · t

Deviation from trend

Population Ages 65+ (% of Total)

Cleanest headline aging metric — share of the population that is elderly.

▲ +0.3% YoY

17.9%

Trend YoY growth is +0.3%, accelerating by 39 bps/year over the last 63Y. Deviations have remained above trend for 14 consecutive periods. Latest: +0.5%, 23 bps above trend, a 1.7σ deviation.

Level

YoY Change (bps)

y = 0.0% + 0 bps/yr · t

Deviation from trend

Old-Age Dependency Ratio

Best single metric for economic burden — ratio of 65+ population to working-age (15–64).

▲ +0.5% YoY

27.7%

Trend YoY growth is +0.5%, accelerating by 82 bps/year over the last 63Y. Deviations have remained above trend for 14 consecutive periods. Latest: +0.9%, 40 bps above trend, a 1.7σ deviation.

Level

YoY Change (bps)

y = −0.1% + 1 bps/yr · t

Deviation from trend

Births & Fertility

Total Fertility Rate

Core measure of replacement shortfall — 2.1 is the replacement level for developed countries.

▲ +0.0% YoY

1.63births/woman

Trend YoY growth is +0.0%, accelerating by 0 bps/year over the last 63Y. Deviations have remained below trend for 5 consecutive periods. Latest: +0.0%, 1 bps below trend, a 0.23σ deviation.

Level

Change (pp)

y = −0.1% + 0 bps/yr · t

Deviation from trend

Crude Birth Rate

Direct read on how many births are occurring at the population level per 1,000 people.

▼ -0.0% YoY

10.60per 1,000

Trend YoY growth is -0.0%, accelerating by 1 bps/year over the last 63Y. Latest: -0.1%, 8 bps below trend, a 0.29σ deviation.

Level

Change (pp)

y = −0.4% + 1 bps/yr · t

Deviation from trend

Life Expectancy at Birth

Rising longevity compounds the aging problem — more years in retirement per person.

▲ +0.1% YoY

78.89years

Trend YoY growth is +0.1%, slowing by 0 bps/year over the last 63Y. Latest: +0.5%, 42 bps above trend, a 0.95σ deviation. The latest YoY reading is depressed by 87 bps due to an tough comparison base from Jan '23.

Level

Change (pp)

y = 0.2% 0 bps/yr · t

Deviation from trend

Labor & Economic

Labor Force Participation Rate, 55+

Whether economies are offsetting aging by extending working lives — key to fiscal sustainability.

▲ +0.3% YoY

37.1%

Trend YoY growth is +0.3%, accelerating by 1.0 pp/year over the last 65Y. Deviations have remained below trend for 37 consecutive periods. Latest: -1.1%, 1.4 pp below trend, a 3.0σ deviation.

Level

YoY Change (bps)

y = −0.4% + 1 bps/yr · t

Deviation from trend

Employment Rate, 55–64

Tracks how much the near-retirement cohort remains economically active as populations age.

▲ +0.4% YoY

64.4%

Trend YoY growth is +0.4%, accelerating by 80 bps/year over the last 48Y. Latest: +0.1%, 26 bps below trend, a 0.18σ deviation. The latest YoY reading is boosted by 79 bps due to an easy comparison base from Sep '24.

Level

YoY Change (bps)

y = 0.0% + 1 bps/yr · t

Deviation from trend

Health Care ETF (XLV)

Market signal on healthcare demand — aging populations drive structural growth in medical spending.

▲ +4.2% YoY

$143.2

Trend YoY growth is +4.2%, slowing by 1.3 pp/year over the last 9Y. Latest: +7.2%, 3.0 pp above trend, a 0.77σ deviation. The latest YoY reading is boosted by 9.2 pp due to an easy comparison base from May '25.

Level

YoY %

y = 16.3% 1.3 pp/yr · t

Deviation from trend