Barista FIRE Calculator
Barista FIREBarista FIRE means leaving full-time work but using part-time or side income to cover some of your expenses. Your portfolio only needs to fund the gap. Enter annual expenses and part-time income to get a smaller target number and see growth over time.
Total spending per year
Income that covers part of expenses
e.g. 4% rule—applied to portfolio only
When set, we use inflation-adjusted (real) returns so the projection stays in today's dollars.
Current savings + contributions and growth chart
Portfolio covers $30,000/year (expenses − part-time income)
Chart shows accumulation phase only (up to reaching your Barista FIRE number).
| Year | Start Balance | Contribution | Growth | End Balance |
|---|---|---|---|---|
| Start | $100,000 | $0 | $0 | $100,000 |
| 1 | $100,000 | $24,000 | $7,761 | $131,761 |
| 2 | $131,761 | $24,000 | $9,984 | $165,744 |
| 3 | $165,744 | $24,000 | $12,363 | $202,107 |
| 4 | $202,107 | $24,000 | $14,908 | $241,015 |
| 5 | $241,015 | $24,000 | $17,632 | $282,647 |
| 6 | $282,647 | $24,000 | $20,546 | $327,193 |
| 7 | $327,193 | $24,000 | $23,664 | $374,857 |
| 8 | $374,857 | $24,000 | $27,001 | $425,857 |
| 9 | $425,857 | $24,000 | $30,571 | $480,428 |
| 10 | $480,428 | $24,000 | $34,391 | $538,819 |
| 11 | $538,819 | $24,000 | $38,478 | $601,296 |
| 12 | $601,296 | $24,000 | $42,851 | $668,148 |
| 13 | $668,148 | $24,000 | $47,531 | $739,679 |
| 14 | $739,679 | $24,000 | $52,538 | $816,217 |
Not financial advice. By using this calculator you agree to our Terms.
About this calculator
Barista FIRE means you quit full-time work but use part-time or side income (e.g. a flexible job, freelancing, or a small business) to cover some of your expenses. Your portfolio only needs to fund the gap: annual expenses minus part-time income. That gap ÷ withdrawal rate = your Barista FIRE number—smaller than a full FIRE number, so you can reach it sooner.
Use it to see how much you need if you plan to keep earning some income after leaving your main career. Compare with FIRE Number, Lean FIRE, or Coast FIRE.
How this is calculated
Barista FIRE number = (Annual expenses − Part-time income) ÷ Withdrawal rate. If part-time income ≥ expenses, the number is zero (portfolio need is covered by income). Years to Barista FIRE use the same compound growth projection as the FIRE Number and Investment Calculator. Results are for illustration only.
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