Tool

Barista FIRE

FU money isn't all-or-nothing. If a little part-time work covers part of your costs, the number you need gets a lot smaller.

Your numbers

Annual spending

Part-time / side income per year

Income you'd keep earning in semi-retirement — barista shifts, freelancing, a small business.

Safe withdrawal rate

4.0%

Advanced — add a timeline

Current savings & investments

Yearly contribution

Real return %

Your Barista FIRE number

Full FU number

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You save

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Covered by work

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Find your full FU number

How the math works

Barista FIRE number = (annual spending − part-time income) ÷ withdrawal rate. Your portfolio only has to cover the spending your work doesn't, so the number shrinks by 25× the income you keep earning (at 4%). The optional timeline grows your savings plus contributions at your real return until you reach it. Estimates only — not financial advice.