ZBee is a native Mac app that answers one question: how much can you safely spend per year in retirement? It connects to your accounts read-only (or takes CSV import / manual entry) and measures the maximum sustainable annual spend for your actual plan - taxes, RMDs, Social Security timing, and sequence-of-returns risk included. It runs Monte Carlo simulation plus a replay through every real market sequence since 1928, and it measures rather than advises: one transparent assumption set, every assumption disclosed.
Everything computes locally - your holdings never leave your Mac, and there is no server copy of your financial data. Free demo mode on sample data with no account; ZBee Pro is $99/year with a 30-day free trial.
