Barista FIRE Calculator
Annual Expenses ($)
Part-time Income ($)
Barista FIRE is a semi-retirement strategy where you reach partial financial independence and supplement your portfolio with part-time income — historically working at Starbucks for healthcare benefits in the US.
- 1Target Portfolio = (Annual Expenses − Part-time Income) × 25
- 2Part-time income reduces the portfolio needed
- 3Healthcare coverage from employer is a key benefit
- 4Allows earlier retirement with lower portfolio requirements
$50K expenses, $20K part-time income=Effective expenses $30K → FIRE number $750K
$60K expenses, $25K side income=Need $875K portfolio
| Annual Expenses | Part-time Income | Portfolio Needed |
|---|---|---|
| $40,000 | $10,000 | $750,000 |
| $40,000 | $20,000 | $500,000 |
| $60,000 | $20,000 | $1,000,000 |
| $60,000 | $30,000 | $750,000 |
| $80,000 | $30,000 | $1,250,000 |
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