Portfolio Lab vs ZBee

Portfolio Scenario Lab helps you estimate a range of possible portfolio outcomes using Monte Carlo simulation. Instead of showing one fixed projection, the app runs up to 100,000 market scenarios using your assumptions for starting balance, expected annual CAGR, volatility, contributions, withdrawals, inflation, taxes, crash cycles, and time horizon so you understand your true risk/rewards on your investments. Use it to explore questions like: • How much could my portfolio grow over time? • What is my chance of reaching a portfolio goal? • How likely is my retirement portfolio to last? • How much could I withdraw in retirement? • How much would I need to contribute to reach my goal? • How do contributions, withdrawals, inflation, taxes, and volatility affect my outcome? • How much risk am I taking? Key features: • Build Wealth mode for long-term investing • Retirement Withdrawals mode for portfolio survival planning • Monte Carlo simulation with percentile outcomes • Median, mean, best-case, and worst-case results • Goal probability, survival probability, and shortfall risk • Required Monthly Contribution estimate • Sustainable Withdrawal Estimate • Inflation-adjusted “today’s dollars” view • Nominal future-dollar results • Simplified tax estimates and tax impact projection • Maximum drawdown analysis • Drawdown duration and recovery insights • Loss probability and return probability charts • Scenario path charts • Ending value distribution • Extreme crash and recovery cycle stress testing • Save and compare simulations • Optional private iCloud backup and restore • PDF, Excel, CSV, share text, and share card exports with premium unlock • Simple educational explanations for assumptions and limitations Portfolio Scenario Lab is designed to be simple, visual, and easy to understand. It is built for investors who want a clearer picture of possible future outcomes without needing complicated spreadsheet models. Disclaimer: This app is for educational purposes only and does not provide financial, investment, retirement, tax, or legal advice. Simulations are based on user-selected assumptions and may not reflect actual market performance. Tax estimates are simplified and may not reflect your personal tax situation.

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.