Barista FIRE Calculator

How much to switch to part-time?

$
$
$
$
7.0%
3.0%12.0%
4.0%
2.0%6.0%

Your Barista FIRE Number

$184,488

Barista Age

38

Time Left

8 years

FIRE Goal

$700,000

You'll reach Barista FIRE at age 38. After that, compound growth alone gets you to $700,000.

Progress7.1%

Part-time income needed: $46,000/year

Portfolio Projection

Portfolio BalanceCoast FIRE TargetFIRE Number

Year-by-Year Breakdown

AgeContributionsGrowthWithdrawalsBalanceFIRE %Phase
30$18,000$3,500--$71,5007.1%Saving
31$18,000$5,005--$94,50510.2%Saving
32$18,000$6,615--$119,12013.5%Saving
33$18,000$8,338--$145,45917.0%Saving
34$18,000$10,182--$173,64120.8%Saving
35$18,000$12,155--$203,79624.8%Saving
36$18,000$14,266--$236,06129.1%Saving
37$18,000$16,524--$270,58633.7%Saving
38--$18,941--$289,52738.7%Coasting
39--$20,267--$309,79441.4%Coasting

What is Barista FIRE?

A financial independence strategy where your portfolio covers most expenses, and you work part-time to bridge the gap.

The term originated in the FIRE community, named after the idea of working part-time at Starbucks primarily to access their health insurance benefits, which are available to employees working 20+ hours per week.

How Barista FIRE Works

The math is straightforward:

01

Determine your annual retirement spending

e.g., $48,000/year

02

Estimate your part-time income

e.g., $20,000/year

03

Calculate the gap

$48,000 - $20,000 = $28,000

04

Divide by your SWR

$28,000 / 0.04 = $700,000

That $700,000 portfolio would generate $28,000/year at a 4% withdrawal rate, and combined with your $20,000 part-time income, you'd have $48,000 to live on.

Barista FIRE vs Other FIRE Types

Coast FIRE

You stop saving for retirement but still work full-time for current expenses.

Barista FIRE

You work part-time while your portfolio covers most expenses.

Lean FIRE

Full retirement on a frugal budget.

Fat FIRE

Full retirement with a comfortable lifestyle.

Frequently Asked Questions

What is Barista FIRE?
Barista FIRE is a variation of FIRE where you've saved enough that your portfolio covers most of your retirement expenses, but you still work part-time to cover the remainder. The name comes from the idea of working at a coffee shop (like Starbucks) primarily for supplemental income and health insurance benefits.
How is Barista FIRE different from Coast FIRE?
With Coast FIRE, you've saved enough that compound growth alone will reach your FIRE number by retirement, but you still need full income for current expenses. With Barista FIRE, your portfolio is large enough to cover a significant portion of expenses now through withdrawals, and you only need part-time income to cover the gap.
How much do I need for Barista FIRE?
Your Barista FIRE number depends on your annual expenses minus your expected part-time income, divided by your safe withdrawal rate. For example, if you spend $48,000/year and earn $20,000 part-time, you need ($48,000 - $20,000) / 0.04 = $700,000.
What are good Barista FIRE jobs?
Popular Barista FIRE jobs include barista/cafe work (especially at Starbucks for health insurance), substitute teaching, freelance writing or consulting, part-time retail, tutoring, dog walking, and seasonal work. The key is finding work that provides enough income plus health insurance if needed.
Does Barista FIRE include health insurance?
Health insurance is a major consideration for Barista FIRE. Many choose employers like Starbucks that offer health benefits to part-time workers. Alternatively, you can use ACA marketplace plans, a spouse's plan, or COBRA coverage.
Is Barista FIRE realistic?
Yes, Barista FIRE is one of the most achievable FIRE variations because it requires significantly less savings than full FIRE. The tradeoff is that you continue working, but on your own terms with reduced hours and less pressure.

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