ZBee

ZBee measures the most you can safely spend each year in retirement, computed from your real holdings and accounts - not a questionnaire. Connect your brokerage through SnapTrade (or enter or import holdings manually) and ZBee solves for the maximum sustainable annual spend given taxes, RMDs, Social Security, withdrawal order, and guardrails - with every assumption disclosed and adjustable, and a year-by-year table showing exactly how the answer was computed. Privacy-first by design: your financial data stays on your Mac. The backend only brokers the account connection - it never sees or stores your holdings. Native macOS app (not Electron), with a free iOS estimator (ZBee: Safe Spend) for a quick first read. Free demo mode; Pro is $99/year with a 30-day free trial.