Barista FIRE Calculator

Barista FIRE is when you step away from your full-time career early, but not completely retire—you take a simpler, low-stress job to cover your daily expenses. Meanwhile, your savings stay invested and keep growing in the background until you can fully retire later.

Barista FIRE = Work Less. Live More.

Current Annual Expenses

Your total yearly spending today (rent, food, lifestyle, etc.) before Barista FIRE.

Expected Annual Part-Time Income after Barista FIRE

What you expect to earn per year from part-time or Barista work after leaving your main job.

Current Portfolio / Savings

Total invested savings you have right now (before Barista FIRE).

Annual Savings / Investments

How much you plan to invest each year from now on.

Current Age

Your age today.

Desired Barista FIRE Age

At what age do you want to reach Barista FIRE?

Safe Withdrawal Rate (SWR)

2% (very conservative)4%6% (aggressive)

The classic "4% rule" is a common starting point. Lower = safer, higher = smaller corpus needed but more risk.

Expected Annual Return (%)

4%10% p.a.18%

Global equity long-term avg: ~7–12%. Bonds: ~3–5%.

Inflation Rate (%)

0%5% p.a.10%

Typical inflation: 2–6% depending on your country.

How Barista FIRE works

You semi-retire into a low-stress part-time job (the "barista"). Your investments cover the remainder. You need a much smaller corpus — and you get your freedom sooner.

Advanced mode uses compound growth: FV = PV × (1+r)ⁿ + PMT × ((1+r)ⁿ − 1) / r