ZBee measures your safe yearly spend from your real accounts — taxes, RMDs and Social Security worked out year by year — and stress-tests it across a thousand market histories. Your holdings never leave your Mac.
Not on your Mac? Tap Download and we'll email the download link to your Mac.
Nothing to enter, no sign-up — then your own accounts free for 30 days, no card.
The Mac app: $99/yr after the trial · 30-day money-back guarantee
Signed & notarized by Apple · Payments by Stripe · Apple silicon Macs · For US investors
There are plenty of retirement calculators. ZBee answers one question — how much can I safely spend? — and answers it from your real money, with real rigor you can check: every method is laid out in the methodology.
Most tools make you type in a balance and a guess at your mix. ZBee connects to most major brokerages — read-only, so ZBee never sees your login — or you can paste holdings in from any statement. Real positions, priced live, sorted by tax treatment.
Flat-return calculators quietly overstate what's safe. ZBee replays a thousand market histories — including bad runs early in retirement — then checks your plan against every real market sequence since 1928 and tells you how many it would have survived, naming any it wouldn't.
Federal brackets, capital gains, the taxation of Social Security, state tax, required minimum distributions, withdrawal order, and Medicare IRMAA surcharges — modeled year by year. Your tax bill is an output of the plan, not a number you guess.
Cloud planners custody your financial data on their servers. ZBee doesn't: your holdings flow directly between your Mac and your brokerage's data provider — read-only, never through us. Revoke the link and erase everything ZBee holds with one click.
ZBee starts on a full sample plan. No account, nothing to type.
Connect a brokerage read-only, or paste holdings from any statement.
Your safe yearly spend, with every year's taxes worked out behind it.
A native Mac app, not a web dashboard. Here's what you actually work with — shown on built-in sample data. The whole plan also exports as a PDF report — year-by-year table, outcome distribution, every assumption disclosed — see a sample.
The Projection page on the built-in sample data: a $116,686 safe starting spend — from an ~$860,000 portfolio plus Social Security and a pension, with guardrails on — and the portfolio drawn down year by year across the plan. This is what you're looking at a minute after download: no account, nothing connected yet.
Your plan drawn the way it's actually consumed — year by year, on the same market path the table walks. The steady baseline is the sustainable paycheck; the spike is a one-time expense standing out against it, which a single row of a table can't show you.
Social Security, a pension and a bond ladder stack up as income you're owed; the dashed line is what you'd call essential. Where the bands clear the line, the essentials are floored whatever markets do — on this sample plan, 31 of 33 years. The gap is the part your portfolio still has to fund.
Spending, Social Security, withdrawals, RMDs, Roth conversions and the resulting tax — computed year by year, not estimated from an average rate. The first six columns are shown here; the table scrolls to the rest.
Because this software touches your money, and starting with one platform done well beats spreading thin across several. Building for Apple silicon first means ZBee is a proper native Mac app — signed and notarized by Apple, and local-first by design. We don't custody your financial data: your holdings never leave your Mac for our servers, and connecting your accounts only authorizes a read-only link — nothing for us to breach.
There's a free ZBee app for iPhone and iPad on the App Store — a quick, private estimate of your safe yearly spend that runs entirely on your phone. Other platforms may follow as ZBee grows; whatever comes next will be built for its platform — properly native, not a lowest-common-denominator port.
Most money apps custody your financial data on their servers. ZBee doesn't: your accounts, balances, and plans are stored only on your device, and the app talks to third parties only when you ask it to. A built-in Privacy & Data screen lays out exactly what's stored and what leaves your Mac, and lets you delete everything — on your device and on our servers — in one step. Read the Privacy Policy for the details.
ZBee is built by an independent developer — not a venture-backed startup with growth targets and an appetite for your data. That's the whole reason it works the way it does: a flat, honest price, your finances kept on your own machine, and a real person reading support@zbee.app. One tool, done carefully, sold straight. And you don't have to take the math on trust: every assumption and method ZBee uses is published in the methodology. Who builds ZBee — and what happens if I stop →
Explore the whole app free on sample data, then try Pro on your own accounts with a free 30-day trial. When you subscribe, ZBee Pro is a flat $99 a year — less than ProjectionLab or Boldin. For context, an advisor charging 1% of assets runs about $5,000 a year on a $500,000 portfolio. See how ZBee compares.
No account, nothing leaves your Mac.
try free first · then auto-renews until you cancel
Download the free app, then start a free trial or subscribe in File → Subscription…
30-day money-back guarantee — if Pro isn't right for you, email support within 30 days for a full refund. Cancel anytime; Pro runs to the end of your paid period. Payments are handled by Stripe — your card details never touch ZBee's servers.
Free to explore on sample data — no account needed. Try Pro on your own accounts with a free trial, then keep going with an annual subscription ($99/year). Built for Apple silicon Macs (M1 and later).
Signed & notarized by Apple · Free to explore · Annual Pro subscription · macOS on Apple silicon (M1 and later, not Intel) · Built for US taxpayers
Version 2.6 · updated August 8, 2026
ZBee is downloading
When it finishes, open the ZBee file in your Downloads folder, then drag ZBee into Applications.
Requires Apple silicon (M1 or later).
ZBee™