Barista FIRE calculator

Barista FIRE means leaving full-time work once your portfolio can cover the part of your spending that a part-time job doesn't.

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All amounts are in today's money.

Barista FIRE number
Time to get there
Full FIRE
Portfolio growth
Portfolio Money put in Barista number FIRE number
On the way
What moves the date
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How Barista FIRE works

Your Barista FIRE number

(€30,000 − €12,000) ÷ 4% = €450,000

Only the part of your spending the job doesn't cover comes from the portfolio. Full FIRE on the same spending needs €750,000.

Every €1,000 of income counts

€1,000 a year × 25 = €25,000 less

At a 4% withdrawal rate, every €1,000 a year you earn takes €25,000 off the number you need invested.

How much sooner

Barista17y 9m
Full25y 2m

With the default numbers, €12,000 a year from part-time work gets you out of full-time work more than seven years sooner.

What to plan for

Health insurance Pension contributions Losing the job Tax on the side income

Part-time work can end sooner than you planned. Know how you'd cover the gap, whether that's a cash buffer or a lower budget.

Other kinds of FIRE

Full FIRE

Enough invested to cover all your spending, with no work at all. Find your number and the month you get there.

FIRE calculator

Coast FIRE

What you've invested grows into your FIRE number by retirement age with no more saving, so you only need to earn what you spend today.

Coast FIRE calculator

Read more

Financial Panther Barista FIRE: Not Quite Financial Independence, But Pretty Close Why each $1,000 a year of side income is worth about $25,000 in your portfolio. ProjectionLab What is Barista FIRE? Working out the target, health cover, which jobs fit, and how it differs from Coast FIRE. Four Pillar Freedom What is Barista FIRE? A short take on pairing a 4% withdrawal with a part-time job you like. The Motley Fool FAT FIRE vs. Coast FIRE vs. Barista FIRE How the three differ in savings, spending and how much you keep working.
On Reddit r/baristafire r/financialindependence r/EuropeFIRE

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