A native Mac app that brings your investment accounts together and stress-tests how much you can spend each year across a thousand market histories — free to explore on sample data, no account needed, and your real numbers never leave your machine.
Free on iPhone & iPad — get a quick estimate on its own, then pair it with ZBee on your Mac for your real, tax-aware number.
ZBee is a native Mac app — free to explore, and your numbers never leave your machine. Open zbee.app on your Mac, or use the button above to send yourself the link.
Already have the ZBee iOS app? The full app lives on your Mac — open zbee.app on your Mac, or send yourself the link →
Free · No account · Nothing leaves your Mac · Signed & notarized by Apple
Built for Apple silicon (M1 and later) · Explore free on sample data, then try Pro free on your own · 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, through a regulated data provider, so ZBee never sees your login — sorts every holding into the right tax treatment, and prices it live. Prefer not to connect anything? Paste your holdings in from any statement or spreadsheet — nothing shared, same projection.
Simple calculators assume the same return every year, which quietly overstates what's safe. ZBee replays thousands of market histories — including bad runs early in retirement — and reports the spend that holds up at the confidence level you choose.
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.
It models survivorship — the single-filer brackets and lost Social Security benefit that make a surviving spouse's years the tightest — and turns longevity into a planning horizon you can reason about, instead of a number you pull from the air.
Cloud planners custody your linked financial data on their servers. ZBee doesn't: connecting your accounts uses a thin broker that only authorizes the link, so your holdings and balances flow directly between your Mac and your brokerage's data provider — never through us. The link is read-only, so it never trades or moves money — and you can revoke it and erase everything ZBee holds, on your Mac and on our servers, with one click.
ZBee isn't trying to be your budget, your net-worth tracker, and your advisor. It does one thing — measure the most you can sustainably spend in retirement — and does it carefully. A native Mac app, free to explore, that does one thing well.
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.
Retire earlier, claim Social Security later, leave more behind — and see exactly what each choice does to your safe spend, side by side.
Spending, Social Security, withdrawals, RMDs, and the resulting tax — computed year by year, not estimated from an average rate.
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.
A free ZBee companion app for iPhone and iPad is coming to the App Store — it will show your number and balances, pairing with your Mac over your local Wi-Fi and reading only a summary, so the full, private, tax-aware app still lives entirely on your Mac. 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. Who builds ZBee — and what happens if I stop →
Explore the whole app free on sample data, then try Pro free on your own accounts. When you subscribe, ZBee Pro is a flat $99 a year — for context, an advisor who charges 1% of assets runs about $5,000 a year on a $500,000 portfolio.
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.
Free to explore on sample data — no account needed. Try Pro free on your own accounts, then keep going with an annual subscription ($99/year). Built for Apple silicon Macs.
Free to explore · Annual Pro subscription · macOS on Apple Silicon · Built for US taxpayers
Version 2.2.278
ZBee™