RetireSure Simulator vs ZBee

Will your money last through retirement? RetireSure uses real historical market data to show whether your retirement plan actually works — not just on average, but in good and bad markets. Run 10,000 Monte Carlo simulations based on 76 years of U.S. market returns (1950–2025) and see your true probability of success. Understand your plan clearly: • See your chance of running out of money • Test worst-case market scenarios • Find your safe annual spending level • Model different spending by age range — for SS bridge gap planning • Compare different retirement ages and strategies • Adjust inputs instantly and see results in real time Most retirement calculators assume smooth, average returns. Real markets don't behave that way. RetireSure stress-tests your plan against real historical conditions — including crashes, inflation spikes, and sequence-of-returns risk — so you can make decisions with confidence. Built for serious retirement planning: • No subscriptions — one-time purchase • Outcome range — median, worst 10%, best 10% scenarios • Clean, simple interface • Fast results in seconds • Based on real market history, not assumptions Know where you stand before you retire and how it's going during retirement

ZBee — estimate your safe yearly spend in retirement, after tax, right on your iPhone or iPad. How much can you safely spend each year in retirement? ZBee gives you a quick, private estimate — on your device, in seconds. Enter your savings, your age, and when you plan to retire, and ZBee estimates the most you can safely spend each year, stress-tested across 600 simulated market histories. No account, no sign-up, nothing to configure. After tax, not before: Most calculators hand you a withdrawal figure and leave the tax bill to you. ZBee works out federal income tax on every year of every simulation — so the number you see is money to actually live on. • It knows the difference between a 401(k), a Roth, and a brokerage account, and taxes each one as you draw it down. • It works out how much of your Social Security is taxable, using the provisional-income rule. • It counts the 10% penalty on retirement money drawn before 59 — so an early retirement gets an honest answer. See the whole picture, not just a number: • A live estimate that updates as you adjust any input, and a risk setting for how cautious you want to be. • Could you afford a specific number? Enter what you want to spend and see how often it lasted. • Your savings, projected. Watch your money grow until you retire and draw down after — charted through a poor market, not a flattering average one. • What waiting buys you. Compare your estimate side by side at earlier and later retirement ages. • When to claim Social Security. See what claiming at 62, 67, or 70 does to your safe spend, each age calculated against your own plan. • Married? Add your spouse's age and Social Security benefit, and ZBee counts both benefits, including the spousal amount when it is larger. • How your spending would flex. Real plans don't spend a fixed number forever — see how much you'd trim after bad markets, and how much more you could spend after good ones. • Still saving? Add what you put away each year and watch it compound into the answer. • Your estimate over time. ZBee remembers each day's estimate on your device, so you can see which way your number is moving. Private by design: • Everything runs entirely on your device. Nothing you enter is sent to us or anyone else. • No account. No tracking. No analytics. The app makes no network requests at all. • No permissions needed. The only prompt you will ever see is if you choose to turn on an optional check-in reminder. ZBee is a measurement and planning tool, not financial advice. Estimates are hypothetical, will not match actual results, and are for U.S. investors. The app estimates federal tax only — it does not model state income tax, Medicare surcharges, or required minimum distributions, and explains what it leaves out in the app.