Find exactly how much part-time income you need to cover your spending gap. And how little you need invested to retire now.
Barista FIRE Income Needed Calculator
Barista FIRE is the sweet spot between full-time work and full retirement: you build a portfolio large enough that part-time or lower-stress income covers the gap between what your investments throw off and what you actually spend. The Barista FIRE Income Needed Calculator tells you exactly how much that part-time income needs to be. You enter your annual expenses, your current portfolio, and your expected withdrawal rate, and the calculator subtracts your portfolio's sustainable income from your spending to show the annual (and monthly) earnings your side job, consulting work, or reduced-hours role needs to generate. It's the bridge calculator for people who don't want to wait until Full FIRE but also don't want to white-knuckle a bare-bones lean retirement. The output answers a very concrete question: "How little can I work and still be okay?"