Barista FIRE Calculator

Semi-retirement: work a low-stress part-time job while your investments cover most expenses.

Barista FIRE means having enough invested that a part-time, low-stress job (like working at a coffee shop) combined with investment withdrawals covers your full expenses. If your expenses are $50,000/year and a part-time job covers $20,000, you only need investments to produce $30,000/year, requiring a portfolio of $750,000 instead of $1,250,000 for full FIRE.