Barista FIRE Calculator
Calculate your Barista FIRE number.
See when you can semi-retire with part-time work covering expenses while investments grow.
Barista FIRE Projection
Barista FIRE is a form of semi-retirement where you work part-time to cover basic living expenses, while your investment portfolio grows to full financial independence.
Gap = Annual Expenses − Part-Time Income
Required Portfolio = Gap × 25 (based on the 4% safe withdrawal rule)
How it compares to full FIRE:
| FIRE Type | Portfolio Needed | Work Required |
|---|---|---|
| Full FIRE | Expenses × 25 | None |
| Barista FIRE | (Expenses − Part-Time Income) × 25 | Part-time |
| Coast FIRE | Enough to grow to full FIRE by 65 | Full-time (no saving) |
Example: If annual expenses are $40,000 and part-time income is $20,000:
- Gap = $20,000/year
- Barista FIRE number = $20,000 × 25 = $500,000
- Full FIRE number = $40,000 × 25 = $1,000,000
Barista FIRE cuts the required portfolio in half in this example.