Barista FIRE Calculator — Semi-Retirement Math
Barista FIRE calculator: combine investments with part-time income to see the smaller portfolio that lets you quit full-time work early.
Your savings, spending, and FIRE number are figured in your browser; nothing is sent to a server.Try: Current age=30, Retirement age=65, Current investments=50000, Annual contribution=12000, Annual spending in retirement=40000, Expected annual return=7, Safe withdrawal rate=4, Part-time annual income=15000 → $625,000, $15,000, 19 yrs, 49
How to use
Barista FIRE is when your investments cover most of your spending and a part-time job covers the rest. Enter your expected part-time income; the calculator reduces your FIRE number by that amount, since your portfolio only has to fund the gap.
FAQ
What is Barista FIRE?
Barista FIRE is when your investments cover most of your spending and a part-time job covers the rest. You are not fully retired, but you no longer need a full-time career.
How does part-time income change the math?
It lowers the spending your portfolio must support. Subtract your part-time income from your expenses, and your FIRE number drops to that smaller gap.