ZBee: Safe Spend
Retirement spending estimator
Free · Designed for iPad. Not verified for macOS.
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 thousands of 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 solved against your own plan.
• 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.
• "ZBee for Mac" now opens a page inside the app that describes what our Mac app does, instead of sending you straight to a website.
• You can also reach it from the bottom of "Why this is an estimate".
The developer, ZBee LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- ZBee LLC
- Size
- 1 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 ZBee LLC