Free Barista FIRE Calculator
Calculate how much you need saved to semi-retire and work a low-stress part-time job for benefits and basic expenses.
Barista FIRE Number
$750,000
Barista FIRE Number vs Part-Time Annual Income
Barista FIRE
Barista FIRE (named after the idea of working at a coffee shop for health insurance) is a semi-retirement strategy.
How It Works
1. Save enough so portfolio withdrawals + part-time income cover expenses 2. Quit your high-stress career 3. Work a lower-paying job you enjoy for spending money and benefits
Formula
Barista FIRE Number = (Annual Expenses - Part-Time Income) / Withdrawal Rate
Benefits
Example Calculation
$50,000 expenses, $20,000 part-time income, $400,000 saved, 4% withdrawal rate.
- 01Income gap = $50,000 - $20,000 = $30,000
- 02Barista FIRE number = $30,000 / 4% = $750,000
- 03Current savings ($400,000) vs target ($750,000)
- 04Deficit = $400,000 - $750,000 = -$350,000 (not there yet)
Frequently Asked Questions
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