Calculateur Barista FIRE — Formule

Barista FIRE

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

Barista FIRE means leaving your full-time career but working part-time (often for benefits like health insurance) while drawing down a smaller portfolio.

Comparison

TypePortfolio Needed Full FIRE ($40k expenses)$1,000,000 Barista FIRE ($20k part-time)$500,000 Coast FIREJust cover expenses

Exemple Résolu

$40,000 expenses, $20,000 part-time income, 4% withdrawal.

  1. Gap = $40,000 - $20,000 = $20,000
  2. Barista FIRE number = $20,000 / 0.04 = $500,000
  3. This is half the full FIRE number of $1,000,000