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ZBee
A native Mac app that measures your safe yearly spend from your real accounts โ taxes, Social Security, RMDs, a thousand simulated markets. Free to explore; your data stays on your Mac.
ZBee answers one question: how much can you safely spend per year in retirement?
It connects to your brokerage and retirement accounts read-only (or takes manual entry / CSV import) and measures the maximum sustainable annual spend for the plan you actually have - with taxes, RMDs, Social Security timing, and sequence-of-returns risk (Guyton-Klinger style guardrails) in the math. It runs Monte Carlo simulation plus a replay of your plan through every real market sequence since 1928.
Everything computes locally. Your holdings never leave your Mac, and the backend only brokers the read-only account connection. Unlike web-based planners, there is no server copy of your financial data anywhere.
It measures rather than advises: no restructuring recommendations, one transparent assumption set, every assumption disclosed.
- Free demo mode on sample data - no account needed
- ZBee Pro: $99/year with a 30-day free trial
- Native macOS app (Apple silicon, macOS 11+), signed and notarized DMG
- Companion iPhone app: ZBee: Safe Spend (free estimator on the App Store)
