Barista FIRE Calculator

Estimate the portfolio you need when part-time income covers part of your retirement spending.

Quick answer

Barista FIRE means your portfolio covers only the spending gap after part-time income. Formula: (annual spending - part-time income) divided by withdrawal rate. Use conservative rates like 3.5% for long horizons; 4% is usually treated as a 30-year baseline.

Inputs

Annual spending goal

Part-time income in retirement

Withdrawal rate (%)

Barista FIRE number

$1.00M

$60K - $25K = $35K portfolio spend

Full FIRE (4%)$1.50M

Full FIRE (3.5%)$1.71M

Your Barista FIRE target$1.00M

Barista FIRE depends on continued part-time income. Model interruptions, lower wages and healthcare costs. If your retirement may last 40+ years, many plans start around 3.5% instead of 4%.

Related calculators: 4% Rule, Coast FIRE, Retirement Number, All calculators.