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Barista FIRE Calculator

Work out the portfolio needed when part-time income covers some of your spending.

About Barista FIRE Calculator

Every unit of ongoing income removes 25 units of required capital at a 4% withdrawal rate. That leverage is why modest part-time earnings shrink the target so dramatically. Earning 18,000 a year reduces the portfolio requirement by 450,000 at a 4% rate, which is often a decade of saving.

Formula

Barista FIRE

Barista FIRE number = (expenses − part-time income) ÷ withdrawal rate

part-time income
Earnings that reduce the spending the portfolio must cover

Worked example

With the default values below, Barista FIRE Calculator returns Barista FIRE Number of $550,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Annual spendingminimum 0
40,000
Annual part-time incomeminimum 0
18,000
Safe withdrawal rateaccepts 0–100 %
4 %
Current portfoliominimum 0
150,000

Results

Barista FIRE Number
$550,000.00
Full FIRE Number
$1,000,000.00
Capital Saved by Working Part Time
$450,000.00
Still Needed
$400,000.00
Progress to Barista FIRE
27.3%

Step by step

  1. 1Values used
  2. 2Barista FIRE
  3. 3Barista FIRE Number= 550,000.00
  4. 4Full FIRE Number= 1,000,000.00
  5. 5Capital Saved by Working Part Time= 450,000.00
  6. 6Still Needed= 400,000.00
  7. 7Progress to Barista FIRE= 27.3

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation or tax into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Frequently Asked Questions

How is Barista FIRE calculated?

Barista FIRE number = (expenses − part-time income) ÷ withdrawal rate Every unit of ongoing income removes 25 units of required capital at a 4% withdrawal rate. That leverage is why modest part-time earnings shrink the target so dramatically.

Why does Barista FIRE matter?

Earning 18,000 a year reduces the portfolio requirement by 450,000 at a 4% rate, which is often a decade of saving.

What values do I need to enter?

This calculator takes 4 inputs: Annual spending, Annual part-time income, Safe withdrawal rate, Current portfolio. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.

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