ZBee

Native Mac app calculating safe retirement spending with taxes and Monte Carlo simulation

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ZBee is a native Mac app that calculates how much a user can safely spend annually in retirement, accounting for taxes, RMDs, Social Security timing, and sequence-of-returns risk through Monte Carlo simulation and historical market replay since 1928. It is aimed at people planning retirement spending who want a rigorous, tax-aware answer rather than a generic rule of thumb.

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