35%
of non-retirees say their retirement savings are on track
Source: Federal Reserve SHED 2024Retirement Planning
Know exactly when your savings run out.
Drift runs a month-by-month projection of your retirement savings across multiple scenarios — so you can see the failure point, not just the average case.
Monthly projectionsThree-scenario analysisPDF strategy reports
Most retirement calculators show you the best case. Drift shows you the worst case — and what to do about it.
U.S. Retirement Data
Built on current public data, not generic assumptions.
The numbers that shape how Americans experience retirement — from savings confidence to benefit timing to inflation pressure.
8%
tapped retirement accounts in the previous 12 months
Source: Federal Reserve SHED 2024$2,071
estimated average monthly Social Security retirement benefit
Source: SSA FAQ, January 20262.4%
12-month CPI-U inflation for January 2026
Source: BLS release, February 18, 202667
full retirement age for people born in 1960 or later
Source: SSA benefits planner73
RMD start age for most IRA and defined contribution participants
Source: IRS retirement topicsHow It Works
Three steps from inputs to insight.
01
Enter your numbers
Age, savings, retirement date, spending, returns, and inflation — everything flows into a monthly projection model that updates in real time.
02
See where your plan breaks
Three scenarios (typical, downside, upside) show you when savings run out — not just what the average case looks like.
03
Explore what-if strategies
The planner quantifies how reducing spending, delaying retirement, or adjusting return assumptions changes your outcome before you commit.
Who It's For
People who want clarity, not reassurance.
Pre-retirees who want an honest baseline, not motivational defaults
Households deciding whether their retirement timing is realistic
Anyone who wants to understand when — not if — their savings could run out
What's Included
Everything you need to stress-test your retirement plan.
Real-time savings projection with monthly granularity
Typical, downside, and upside scenario modeling
Spending guardrail and stress test matrix
What-if improvement scenarios with impact deltas
Social Security and pension income timing
Downloadable PDF strategy report
Get Started