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Financial independence

Barista FIRE Calculator

Estimate the portfolio needed when part-time income covers part of annual expenses.

Practical caveat

Part-time income may change, and benefits, taxes, health coverage and burnout risk matter. Treat the result as a planning scenario.

Example

If annual expenses are 45,000 and part-time income covers 18,000, the portfolio must support 27,000 per year. At a 4% withdrawal rate, that implies a portfolio target of 675,000.

How to interpret the gap

If current investments are below the target, the gap shows how much more would be needed under the entered assumptions. Lower expenses, higher part-time income or a different withdrawal rate all change the target.

Limitations

This calculator does not guarantee retirement safety. It does not model taxes, health insurance, market downturns, job loss, inflation surprises or changing spending needs.

Last reviewed: 2026-05-17

Before relying on this result

Use this calculator together with the formula, assumptions, limitations and examples on the page. If the topic involves health, tax, lending, investment, legal, safety or current-rate decisions, treat the number as an estimate and check the relevant primary source or professional guidance.

Calculator metadata last reviewed: 2026-05-14.