Barista FIRE calculator
See how part-time income lowers the portfolio you need. When a job or side income covers part of your expenses, your investments only have to fund the rest.
Barista FIRE covers part of your expenses with part-time income, so your portfolio only has to fund the rest.
What is barista FIRE?
Barista FIRE is a middle path between full-time work and full retirement. You leave the demanding job, take on part-time or lower-stress work that covers some of your costs, and let your portfolio cover the gap. The name comes from part-time roles that often include benefits.
How barista FIRE lowers your number
Because part-time income covers part of your spending, your investments only need to fund what is left. Subtract your expected part-time income from your annual expenses, then divide by your withdrawal rate. The result is a noticeably smaller target than full FIRE.
Prefer to track this from your real accounts? Telemetry charts your investable net worth toward your FI number and shows a shareable progress card straight from your data. See net worth and FIRE tracking.
Common questions
What is barista FIRE?▾
Barista FIRE is when part-time or side income covers part of your expenses, so your portfolio only has to fund the rest. It lets you leave full-time work with a smaller nest egg than full FIRE requires.
How do you calculate barista FIRE?▾
Subtract your expected part-time income from your annual expenses to get the amount your portfolio must cover, then divide by your withdrawal rate. That is your barista FIRE number.
Is barista FIRE the same as coast FIRE?▾
No. Coast FIRE is about having enough invested now to stop saving. Barista FIRE is about using ongoing part-time income to reduce how large your portfolio needs to be.
Does barista FIRE include health insurance?▾
It can, which is part of the appeal. Some part-time roles offer benefits, and this calculator lets you enter whatever income the arrangement provides, whether or not benefits are attached.
Other FIRE calculators
Want your FIRE progress tracked from your real accounts?
Start free →