Barista FIRE Calculator
2026 rulesFind the portfolio you need when part-time work covers some of your spending.
Your numbers
Many part-time jobs with benefits remove most of this.
Result
Barista FIRE number
- Spending + health insurance$69,000
- Covered by part-time work-$25,000
- Gap the portfolio covers$44,000
- FI number$1,100,000
- Saved now$400,000
- Funded today36.4%
- Years to FI12.9
- Age at FI53
- Full FIRE number for comparison$1,725,000
How it works
Barista FIRE means leaving full-time work while part-time income pays for some of your living costs. Your portfolio only needs to cover the gap, so the target is the gap divided by your withdrawal rate.
Health insurance is often the deciding cost before 65. A part-time job with benefits can be worth more than its paycheck.
Questions
How much part-time income is typical?
Many plans use $15,000 to $30,000 a year. Every $1,000 of steady income cuts the target by $25,000 at a 4% rate.
What about ACA plans?
Low reported income can qualify for large premium tax credits on Marketplace plans. Check the credits at your expected income.