Cats are
by design forever. Nothing is used up when a catalytic converter works so
in theory it will last forever.
What does a cat in on modern engines is contamination. Oil contamination is the worst - so if you have a leaky valve stem seals or a PCV problem, oil will coat the cat and ruin it. During a head gasket failure coolant contamination can do it. On older cars - not so much cars in the last 20-30 years - cats can overheat and melt when unburned fuel gets into the exhaust.... on a modern engine with modern fuel injection, that's not only unlikely but probably you'll have a bunch of warning lights going off too.
Since it's only broken stuff that will take a cat out, the lifetime of a cat is really a matter of how well you keep up your engine. On OBDII cars, the only time I have ever replaced a cat is when something has gone wrong... one of the aforementioned contamination scenarios.
Edit: I wanted to add for completeness that there are example of "cheap cats" that do wear out. A lot of aftermarket cats (often couched as "racing cats") are famously referred to as "two year cats" due to their tendency to wear out after two years. These cats have low volume substrates with lower densities of the precious metals... these cats become contaminated extremely easily, so abuse a regular OE cat can put up with for a decade or more kills these things quickly. There are some examples of OEs cheaping out too.... VW is one that comes to mind. The Feds made them extend their warranty to 10 years. The default Federal warranty is only 8.