Barista FIRE is coast FIRE with a part-time paycheck. Because that income covers some of your spending, your portfolio only has to fund the gap, so the number you need is lower. Enter your figures to see your barista FIRE number and when you reach it.
Your barista FIRE number is $279,005
Part-time income of $25,000 cuts the spending your portfolio must cover to $35,000, so your FIRE number is $875,000. Coasting to that by age 65 at a 3.9% real return needs $279,005 invested today, so you are $159,005 short.
Portfolio-funded spending
$35,000
$60,000 − $25,000 part-time
Barista FIRE number
$875,000
$35,000 / 4.0%
You coast from age
87 yr 2 mo
If you stop contributing today
This calculator answers one question. The app models your whole retirement.
Barista FIRE trades a full portfolio for part-time income. CoastIQ runs tax-accurate projections with Monte Carlo simulation, Roth conversion analysis, and Social Security timing, all on-device with no data collection. Free to start on iPhone.
Get CoastIQ freeStart with the spending your portfolio must actually cover, which is your total spending minus your part-time income:
portfolio-funded spending = annual spending - part-time income
Turn that into a portfolio target at your safe withdrawal rate:
barista FIRE number = portfolio-funded spending / safe withdrawal rate
The 4% default rate comes from the Trinity study, which found a 4% inflation-adjusted withdrawal lasted 30 years in nearly every historical period. To find what you need invested today, discount that target back at your real return:
real return = (1 + nominal return) / (1 + inflation) - 1
Keeping everything in today's dollars this way matches how the CoastIQ app models inflation-adjusted spending and income. A worker spending $60,000 with $25,000 of part-time income only needs the portfolio to cover $35,000 a year — an $875,000 FIRE number instead of $1.5M.
With no part-time income, the coast FIRE calculator is the direct version of this. See the full target in the FIRE number calculator, turn a portfolio into income with the 4% rule calculator, or solve for a date with the when can I retire calculator.