Barista FIRE Calculator

Compare traditional FIRE with Barista FIRE using part-time income to retire sooner.

Current age

Max age to project

Current portfolio

Expected return

Savings pace

Ideal spending

Part-time income

Inflation

SWR

Barista FIRE at

36.3 years old

11.3 years from now · Full retirement at 42 years old

Traditional FIRE

Full retirement at41.3

Years to fully retire16.3 yrs

Target to fully retire$3,099,089.31

Barista FIRE

Leave full-time at36.3

Years to quit full-time11.3 yrs

Target to leave full-time$1,675,269.04

Career escape advantage4.9 yrs earlier

Full retirement at42

Years to fully retire17 yrs

Target to fully retire$3,103,186.79

Full-time portfolio

Barista FIRE portfolio

Full retirement goal

Part-time until full retirement · 5.7 yrs

Leave full-time when your portfolio covers spending minus part-time income. Full retirement on the Barista path is when your portfolio can sustain all spending with no work income. The dashed gold line stops new savings once you leave full-time; the blue line keeps saving until the full-time target. The gray dashed line is your full retirement goal, when the portfolio covers all spending with no work income. The gold highlight covers part-time work from Barista FIRE until the gold line crosses that goal. Targets rise with inflation until you reach each milestone.