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Barista FIRE Calculator

Barista FIRE: the smaller portfolio you need when part-time work covers some of your living costs.

Enter values

Results update as you type.

Result

FIRE number

$1,125,000.00

Years to reach it

15 years

Gap today
$975,000.00
Progress
13.33%
Portfolio needed with $20k/yr part-time income
$625,000.00

Uses a constant real return; markets fluctuate. Not financial advice.

About the Barista FIRE Calculator

Barista FIRE: the smaller portfolio you need when part-time work covers some of your living costs.

Also known as: barista fi, semi retirement calculator.

How to use this calculator

  1. Enter annual spending in retirement, safe withdrawal rate, current investments, annual savings and the other fields.
  2. The result updates instantly as you type — press Calculate (or Enter) at any time.
  3. Review the breakdown shown under the main result.
  4. Use Copy result or Share to save the answer or send a link with your inputs.

Formula

FIRE number = annual spending ÷ withdrawal rate (≈ 25× spending at 4%)

Worked example

Using the values pre-filled in the calculator above:

  • Annual spending in retirement = 45,000
  • Safe withdrawal rate = 4 %
  • Current investments = 150,000
  • Annual savings = 40,000
  • Real (after-inflation) return = 5 %

the calculator returns:

  • FIRE number: 1,125,000
  • Years to reach it: 15 years
  • Gap today: 975,000
  • Progress: 13.33%