ZBee overview

ZBee answers one question: how much can you safely spend each year in retirement? Connect your brokerage and retirement accounts read-only, import a file or a screenshot, or enter holdings by hand. ZBee measures the most you can spend each year for the plan you actually have, with federal and state taxes, required minimum distributions, Social Security timing and market risk in the math.

The calculations run on your Mac, and your holdings are never stored on ZBee's servers. It measures rather than advises: one transparent set of assumptions, every one disclosed.

Every feature is free for 30 days, with no account and no card. After that your plan stays readable and exportable, and ZBee Pro keeps it updating for $99 a year. Signed and notarized, with built-in updates.

What's new in version 2.7.524

Every feature free for 30 days on your own figures, then $99 a year (the plan stays readable and exportable after the trial)
Import holdings from a pasted table, a brokerage CSV file or a screenshot
Guardrails that account for income that has not started yet
Trade-offs page for retirement age, Social Security claim age, bequest and confidence
Many accuracy, privacy and accessibility improvements