Barista FIRE Calculator

Barista FIRE Number

Total Annual Expenses ($)

Expected Part-Time Annual Income ($)

Health Benefits Value from Part-Time Job ($)

Safe Withdrawal Rate (%)

Current Savings ($)

Barista FIRE Timeline

Total Annual Expenses ($)

Part-Time Annual Income ($)

Current Savings ($)

Current Annual Savings ($)

Expected Return (%)

Current Age

Formula

Barista FIRE Number = (Annual Expenses − Part-Time Income) / Withdrawal Rate

Frequently Asked Questions

What is Barista FIRE?

Barista FIRE means having enough savings to partially retire, supplementing portfolio withdrawals with part-time work income. The name comes from the idea of working at a coffee shop for extra income and health benefits.

What are the benefits of Barista FIRE?

Barista FIRE allows you to leave a demanding career sooner, provides health insurance through an employer, gives social interaction, and reduces the portfolio size needed for full retirement.

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