Great Visuals and What-If Scenarios
What a useful app! Actually fun to use. Plugged in a few numbers and I can see what my retirement might look like under various scenarios. Love the graphs. Will be downloading the Mac app.
Free
About
Estimate your safe annual retirement spending after taxes. This tool simulates market histories to provide a realistic withdrawal figure, accounting for various account types and early withdrawal penalties. It offers detailed projections and spending flexibility insights.
✓Estimate safe annual retirement spend
✓Accounts for taxes on withdrawals
✓Models different account types (401k, Roth, brokerage)
✓Simulates market histories for stress-testing
✓Visualizes savings projections and spending flexibility
✓Compares retirement age impacts
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What's New in ZBee
1.1
July 28, 2026
Social Security, done properly: • New: "If you claimed Social Security at…" — see what claiming at 62, 67, or 70 does to your safe spend, each age solved against your own plan. • Your benefit entry now means your benefit at full retirement age, and the estimate applies the official claim-age adjustments (70% at 62, up to 124% at 70). Benefits also now start no earlier than your claim age, so some estimates shift a little — that's the model getting more accurate. • Clearer explanations: "Why this is an estimate" now puts sizes on what's left out, and the spending-flex explainer is simpler.
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FAQ
How does ZBee estimate safe retirement spending?
ZBee estimates your safe annual spending by simulating thousands of market histories. It calculates your withdrawal amount after accounting for federal income tax on various account types and potential early withdrawal penalties.
Does ZBee provide financial advice?
No, ZBee is a measurement and planning tool, not a financial advisor. The estimates are hypothetical and intended for U.S. investors, not matching actual results.
What taxes does ZBee consider?
ZBee estimates federal income tax on withdrawals from different account types and considers how much of your Social Security may be taxable. It does not model state income tax or other specific taxes.
Is ZBee private and secure?
Yes, ZBee is designed for privacy. All calculations run on your device, and no personal data is sent to the developer or any third parties. It requires no account or network requests.
What devices does ZBee support?
ZBee is available for iPhone and iPad, running on iOS devices.
How often is ZBee updated?
The latest version, 1.1, was released on July 28, 2026, indicating recent development activity. The app was initially released on July 20, 2026.
What is the age rating for ZBee?
ZBee has an age rating of 4+, making it suitable for a wide range of users.
Does ZBee have ads?
No, ZBee does not contain advertisements. It is a completely ad-free application.