Part-Time / Semi-Retirement Calculator — Retire Sooner With Less

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Semi-Retirement

Part-Time / Semi-Retirement

Model a semi-retired life where part-time income covers part of your expenses. See how much sooner you can retire with less saved.

Your Situation

Current Age

Current Savings ($)

Annual Savings ($)

Annual Expenses ($)

Semi-Retirement Plan

Part-Time Annual Income $24,000

Expected Annual Return 7.0%

Safe Withdrawal Rate 4.0%

Reduced FIRE Number

—

with part-time income covering the gap

Full FIRE Number

—

without any part-time work

You Save

—

vs. full FIRE target

With $24,000/yr of part-time income, your portfolio only needs to generate $56,000/yr. You reach FIRE — years sooner at age — vs. age —.

Portfolio Path — Semi-Retirement vs Full FIRE

Part-Time / Semi-Retirement Calculator

Semi-retirement is the middle path between grinding full-time and walking away completely. You stop doing work you hate, reduce your hours, and replace just enough income to let your portfolio coast. Instead of needing your investments to cover 100% of your expenses, part-time work, freelance projects, or a passion-driven side hustle covers a meaningful slice of your monthly spend, which dramatically shrinks the portfolio number you need to hit before you can step back. The math is compelling: if you spend $80,000/year but earn $24,000 from part-time work, your portfolio only needs to sustain $56,000, dropping your FIRE number from $2M to $1.4M and potentially shaving years off your timeline. For knowledge workers especially, this is often the most realistic and satisfying version of financial independence, keeping a hand in meaningful work while reclaiming your time, your energy, and your options.