ZBee icon
ZBee icon

ZBee

Mac app that measures the most you can safely spend per year in retirement, computed entirely on your Mac from your real accounts.

The Projection screen on the built-in sample plan: the most you can safely spend per year, with the range of outcomes across 1,000 simulated markets.

Cost / License

  • Freemium (Subscription)
  • Proprietary

Application type

Platforms

  • Mac  Requires macOS 11 or later on Apple silicon (M1 or later); Intel Macs are not supported.
Year-by-year detail: each year's spending, taxes, Social Security, RMDs, Roth conversions, and withdrawals, followed through one deliberately hard market.
Accounts: read-only brokerage connections with automatic tax-bucket classification (taxable, tax-deferred, Roth).
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Holdings: every position with live prices and an allocation breakdown - synced from brokerages, imported from CSV, or entered manually.
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Features

Properties

  1.  Privacy focused

Features

  1.  No registration required
  2.  Ad-free
  3.  Import CSV Data
  4.  Works Offline
  5.  Financial Planning

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ZBee information

  • Developed by

    ZBee LLC

  • Licensing

    Proprietary and Freemium product.

  • Pricing

    Subscription ranging between $8 and $9 per month + free version with limited functionality.

  • Alternatives

    8 alternatives listed

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  • Supported Languages

    • English

AlternativeTo Category

Business & Commerce

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What is ZBee?

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) 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.

Everything computes locally: your holdings never leave your Mac, and the backend only brokers the read-only account connection. It measures rather than advises: no restructuring recommendations, one transparent assumption set, every assumption disclosed.

Free demo mode on sample data; ZBee Pro ($99/year, 30-day free trial) for your own data. Ships as a signed and notarized DMG.