About ZBee

Who builds it

I'm Paul, the engineer who builds ZBee, on my own. I've spent nearly 40 years in software as an engineer, architect, and chief architect, and just as long managing my own investments and retirement planning. ZBee started as the tool I wanted for my own retirement: something that took my real accounts and answered the one question every calculator danced around — how much can I actually spend each year without running out? — and showed its work instead of asking me to trust a black box.

That's still how it works today: I'm my own financial planner — no advisor, no firm — and ZBee is the app my own retirement runs on. Every release is tested against my real accounts and my real plan before it ships, because if the math is wrong, my own retirement is the first one it's wrong about.

It's published by ZBee LLC. Building it solo, on purpose, is a deliberate choice: no outside investors steering the roadmap toward monetizing your data, no growth targets that turn a planning tool into an advertising business.

How ZBee makes money

One way: ZBee Pro, $132/year, which keeps your plan updating — editing, recalculation, and brokerage sync — once the free 30 days are up. No ads, no data sales, no affiliate kickbacks, no upsell to an advisory service. You're the customer, not the product. ZBee is free for 30 days on your own portfolio — add your holdings and see what you can safely spend — and Pro carries a 30-day money-back guarantee, so you can hold the whole thing to account before it costs you anything. See pricing.

Getting in touch

Email support@zbee.app — it reaches Paul, the person who builds ZBee. For how the app handles your data, see the Privacy Policy; for how the numbers are computed and what ZBee deliberately does not model, see the Methodology.