Financial Independence, Retire Early
What is Barista FIRE?
Barista FIRE combines investment withdrawals with income from part-time work. That income covers part of your spending, leaving a smaller gap for the portfolio to fund.
How the target is calculated
Maximum of (annual expenses − part-time income, 0) ÷ withdrawal rate = Barista FIRE target
An illustrative example
With $40,000 in annual expenses, $20,000 in part-time income, and an illustrative 4% withdrawal rate, the portfolio target is $500,000.
Explore Barista FIRE with your numbers
Choose Barista FIRE and enter the expected annual part-time income. The calculator estimates the portfolio required to fund the remaining spending gap.
Open the Barista FIRE calculatorWhat to keep in mind
Income availability, taxes, and benefits vary. The calculator assumes the income you enter continues; it does not simulate job loss or changing work hours.
These calculations are educational estimates. They use steady returns, not historical simulations, and do not model retirement withdrawals year by year. A 4% withdrawal rate is an illustrative assumption, not a guaranteed outcome.